Search found 1982 matches

by MP173
Thu Jun 06, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Trip to Vermont/New Hampshire
Replies: 34
Views: 2113

Re: Trip to Vermont/New Hampshire

I dont think you will go wrong with anything in Vermont. It is a great state for vacations. It will probably be hit or miss with peak foliage....I would plan on either one or two locations and make day trips. We enjoyed Montpelier, Woodstock, Rutland, Middlebury and others. All are smaller communiti...
by MP173
Tue May 14, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Asset Allocation in 60s
Replies: 17
Views: 1889

Re: Asset Allocation in 60s

bloom: Good question...."why continue working?" I enjoy my career. I have a number of hobbies and interests and execute most of them. So, it is not about retirement to __________ (fill in the blank). If and when the career creates stress and it is not enjoyable I will probably pull the pin. Dandy - ...
by MP173
Tue May 14, 2019 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Asset Allocation in 60s
Replies: 17
Views: 1889

Re: Asset Allocation in 60s

Original poster here.... Thanks for views. With Social Security projected at age 70, (DW already retired and drawing SS), those monthly payments will pretty much cover living expenses. Plus there are other streams of income - small pension for wife plus farm/mineral rights income. Of course the big ...
by MP173
Mon May 13, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Asset Allocation in 60s
Replies: 17
Views: 1889

Asset Allocation in 60s

Standard advise a couple of decades ago was "age in bonds" for asset allocation. Then it crept to "110 minus age" etc. Let's assume the following: 1. Early 60s in age. 2. Healthy. 3. No debt 4. Working with plans to do so into late 60s. SS planned to be started at 70. 5. Unless a black swan event, r...
by MP173
Tue May 07, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 95
Views: 7667

Re: Gardening 2019

Big problem for us. I typically plant about 100 garlic in the fall. Just the last week, a number are dying and others are showing yellow leaves. Fortunately I planted in two locations and the second location is not showing the yellowing leaves. Unfortunately there are only about 20 plants in that lo...
by MP173
Tue Apr 30, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 95
Views: 7667

Re: Gardening 2019

I am concerned about my asparagus. So far, only 2 stalks.

Typically we are eating by now. Last year was late as is this year.

Ed
by MP173
Mon Apr 29, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Storage shed
Replies: 9
Views: 1025

Re: Storage shed

1367:

You nailed it...we must get better at hoarding!

Ed
by MP173
Mon Apr 29, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: What are the cons of always being a one parent working household?
Replies: 134
Views: 8399

Re: What are the cons of always being a one parent working household?

I am not making a judgement on how others parent....just get that out front and center. Parenting is difficult. Did it as a married couple and as a widow. Now at age 63 (remarried with 3 grandkids thru my wife's children) I watch the pressures of two income parenting and KEEP MY MOUTH SHUT (as does ...
by MP173
Mon Apr 29, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: The wisdom of prepaying notes (car, home, etc.)
Replies: 38
Views: 2736

Re: The wisdom of prepaying notes (car, home, etc.)

OP states he needs a car safer and more professional for work and is re-imbursed for travel. I am in the same situation. I didnt purchase a 51k car, but have no problems given your finances in you doing so. A potential issue is being upside down on the car when you are ready to trade in. What I do i...
by MP173
Mon Apr 29, 2019 11:22 am
Forum: Personal Consumer Issues
Topic: Storage shed
Replies: 9
Views: 1025

Storage shed

We are looking to purchase a small storage shed for our property....probably 8 x 10 or 10 x 12.

Any suggestions on the brands? We looked at big box retailers yesterday. Tuff Shed seemed to be a decent shed. Anyone had any experience with this brand or others?

Any other suggestions?

Ed
by MP173
Fri Apr 26, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Examples of financial accounting rules not applicable to personal finance?
Replies: 60
Views: 2689

Re: Examples of financial accounting rules not applicable to personal finance?

I am going to throw this out for discussion for the accountants. It has been stated by several people here that a business depreciates buildings while most homes "appreciate" in value. Is it not correct that the houses also depreciate, but the value of the house is "marked to market" when one places...
by MP173
Thu Apr 25, 2019 4:12 pm
Forum: Personal Consumer Issues
Topic: When is it worth it, and not, to live in a (very) high COL region?
Replies: 31
Views: 2633

Re: When is it worth it, and not, to live in a (very) high COL region?

Interesting discussion. I had a similar one with oldest son, who lives in Chicago (rents for $1550/month - 2BR). I live an hour outside Chicago in NW Indiana. For him and soon to be wife to buy a house in the city, it will be in the $500,000 range. Comparison our 4BR, 3000 sf was purchased for $260,...
by MP173
Thu Apr 18, 2019 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: leaving state job / pension. ..... bad idea?
Replies: 44
Views: 3516

Re: leaving state job / pension. ..... bad idea?

Start listening to Dave Ramsey.

I would keep the current gig. The pension is well worth it.

Control spending.

ed
by MP173
Thu Apr 18, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 95
Views: 7667

Re: Gardening 2019

Location - NW Indiana Zone 5b So far: 100 garlic plants planted last October - about 6" tall. 34 Leeks transplants - planted April 10th 100 onion transplants - planted since April 10th. Still have another 50 or so to plant. Spinach - two plantings March 24 and April 7 - about 30 seedlings showing. S...
by MP173
Tue Apr 16, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6683

Re: What is your hobby and how did it come to be your hobby?

I "rent" a number of hobbies, usually seasonal based on the weather conditions. Among the hobbies: Vegetable gardening - like many others on the forum, DW & I find it a great investment in time. My wife started it off 10 years ago with a small 4 x 8 raised plot. We are now up to around 700 sq ft. gr...
by MP173
Tue Apr 02, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3799
Views: 1093328

Re: What Book Are You Currently Reading? Part VI

John Sandfords- "Holy Ghost"....Virgil Flowers investigates shootings in a small Mn. community somehow tied to the appearance of Virgin Mary apperition.

Not as good as past books by Sandford.

ed
by MP173
Mon Apr 01, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13511

Re: Folks in their 60s and above. What early investment on health do you recommend.

There are a number of great suggestions. Here is one I havent seen and may bring disagreement - if you run (workout), transition to another form of cardio. I see a number of folks in their 60s who were big mileage runners that have issues now. I transitioned to biking about 15 years ago and it has w...
by MP173
Sat Mar 30, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about going into sales from engineering
Replies: 39
Views: 2683

Re: Thinking about going into sales from engineering

mofritty offers good advise. I have been thru numerous economic cycles and have been careful with lifestyle creep and purchasing of large ticket items. Used the great times to payoff mortgages and to make large cash downpayments on cars and to drive the payoff times of the cars down to 18 months or ...
by MP173
Sat Mar 30, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: DRP programs
Replies: 3
Views: 197

Re: DRP programs

livesoft: Thanks for reply. Pretty much how I felt. As state, I know the exact cost basis for all holdings as yearly purchase records have been kept along with spreadsheet. They were great programs in their day...I havent contributed to any in over 10 years, but those dividends keep rolling in, thus...
by MP173
Sat Mar 30, 2019 8:27 am
Forum: Personal Finance (Not Investing)
Topic: DRP programs
Replies: 3
Views: 197

DRP programs

I started utilizing Dividend Reinvestment Plans about 25 years ago as those were alternatives to buying individual stocks with small dollar amounts. Open the account, re-invest the dividends and make small additional purchases as your personal free cash flow dictated. Are there any compelling reason...
by MP173
Sat Mar 30, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about going into sales from engineering
Replies: 39
Views: 2683

Re: Thinking about going into sales from engineering

While I was not an engineer, the switch was made at about your age, moving from the logistics/transportation industry into sales. Twenty nine years later - still going strong. At age 63 with being asked weekly "when are you going to retire?" there is no immediate plans to do so. Why? It has been a v...
by MP173
Mon Mar 18, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Sirius
Replies: 16
Views: 1244

Re: Sirius

OP here. We have the same issue with Xfinity as we have cable, phone and internet. We havent paid much attention and they just hit us with another increase and we are over $300 per month. I absolutely need their high speed internet for work and my wife is a cable TV viewer from 6am til 10pm. Too muc...
by MP173
Mon Mar 18, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Sirius
Replies: 16
Views: 1244

Sirius

We subscribe to Sirius Sat Radio for both cars. I forget what we pay, but it is probably full price.

We both enjoy it much more than AM/FM radio.

Is there a method of streaming it on your phone or computer without paying extra?

Ed
by MP173
Wed Mar 13, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should I give more money to a family member?
Replies: 107
Views: 6482

Re: Should I give more money to a family member?

Guilt was involved with the OP. Been there. It is common for there to be guilt after inheriting $$$ from the death of a loved one. I was taken advantage of (loan) and never paid back. Plus the person kept asking for more. I finally stopped. I do not see why you should support your sister from your i...
by MP173
Wed Mar 13, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: What time do you start your day?
Replies: 69
Views: 3062

Re: What time do you start your day?

Very similar to others here, I am up fairly early, except now that the DST kicked in. No alarm, unless a tight schedule, just wake up. Normally it is around 530am. This morning with DST it was 645. In the summer, with windows open, it will be earlier. I work at home most days, so I am at my desk by ...
by MP173
Tue Mar 12, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 70
Views: 5780

Re: lawn care cost

Back when my son was in HS (7 years ago) he would get $30 minimum. It was better for him than a regular job....could make more money and gave him flexibility for athletic functions. his phone was always ringing for him to mow. When asked "how much?", he never answered, instead deferred to them to ma...
by MP173
Tue Mar 12, 2019 9:24 pm
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 5640

Re: Peanut Butter recommendations

Costco Almond Butter. Very tasty until you get to the bottom .5 inch, then it is very hardened.

Ed
by MP173
Thu Mar 07, 2019 6:39 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3799
Views: 1093328

Re: What Book Are You Currently Reading? Part VI

I just finished the 33 1/3 series "Aja" by Don Breithaupt. This small book 130 page (6" x 4.5") book (more like a handbook) is a serious album revue of the classic 1977 Steely Dan release "Aja". While it was not my favorite SD album (The Royal Scam is my favorite), this album was considered their be...
by MP173
Thu Mar 07, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: Things to do in Maine
Replies: 55
Views: 4083

Re: Things to do in Maine

Wife and I love Maine (and Vermont...New Hampshire is a slight step down for us). Her brother and SIL operate a wind jammer out of Rockland Maine. I would suggest a day trip on one of the services. We have done 2 - 4 day trips and can honestly say - great experiences. With your 70 year old mother an...
by MP173
Tue Mar 05, 2019 10:18 pm
Forum: Investing - Theory, News & General
Topic: Why does dividend investing not work?
Replies: 147
Views: 14440

Re: Why does dividend investing not work?

We have not had a stock dividend discussion in quite awhile. Investing in dividend paying companies has worked for me over the years. Initially entered that market in the mid 90's thru DRP programs. It was very cumbersome at the time, often had to purchase stocks in certificate form and send it to a...
by MP173
Mon Mar 04, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 8830

Re: Why do you live where you live?

Valparaiso, In. (NW Indiana). Came here for a weekend visit in 1976 visiting college roommate and have been here full time since 1977. 1. My hometown in southern Illinois had nothing economically to offer at the time. 2. Since then, I have married and settled down. Remarried due to death of wife. Su...
by MP173
Sun Mar 03, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3799
Views: 1093328

Re: What Book Are You Currently Reading? Part VI

"Rebirth of the Missouri Pacific, 1956- 1983" by H. Craig Minor. Ok, I seriously doubt if any BHs head read this book or plan to read this book as it has a very narrow range of interest. The Missouri Pacific was a railroad which had lines from St. Louis to Kansas City to Pueblo, Co. and from St. Lou...
by MP173
Thu Feb 28, 2019 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Client From Hell Is Driving Me Insane!
Replies: 60
Views: 7889

Re: Client From Hell Is Driving Me Insane!

I am in advertising sales which includes creative services. Customers will not purchase a concept if it does not meet their objectives. When I get frustrated with a long process, it cannot be taken "personal", we just simply are not providing them what is required. At that point, it is time to keep ...
by MP173
Thu Feb 28, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 201
Views: 8772

Re: How do YOU make coffee?

Costco coffee beans. Grind em up and use a Bunn Coffee Maker.

We had difficulty with coffee makers...Bunn works great - had it about 2 years. Unfortunately it is only 10 cups....so I add a little water after we have taken coffee from pot.

Ed
by MP173
Mon Feb 25, 2019 11:40 am
Forum: Investing - Theory, News & General
Topic: Investing into Trucking industry
Replies: 6
Views: 822

Re: Investing into Trucking industry

Trucking industry is tough. Low margins with lots of challenges. The large carriers are usually solid, but Amazon is coming in strong and will be affecting the industry for years. If you catch a growth stock early (as mentioned above with Knight) you can do well. I bought two trucking stocks - Lands...
by MP173
Mon Feb 25, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Things to do in Indiana
Replies: 64
Views: 4251

Re: Things to do in Indiana

I have lived in Indiana since 1977, after going to college there...so I think this can be said without hurting any feelings about the state. There really isnt much to do here for entertainment....unless you enjoy wandering around some towns and taking in the local flavor. Indiana Dunes - there is on...
by MP173
Sun Feb 24, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 11776

Re: Why Working as a Senior Male is Wise...

I am asked at least 1x week "when are you going to retire?" At age 63 it is something that I have not given serious consideration to. When it is time, I will know it. Why keep working? 1. What else would I do with my time? With every investment one holds, we are faced with "do I sell?" If one sells ...
by MP173
Mon Feb 18, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1286
Views: 130969

Re: [What TV Show Have You Recently Watched?]

True Detective, Season 3, ep 7 last night.

Very good. Setting up quite a finale.

Also The AO.

Ed
by MP173
Tue Feb 05, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3799
Views: 1093328

Re: What Book Are You Currently Reading? Part VI

"The Gospel According to Luke" by Steve Lukather (with Paul Rees). Who is Steve Lukather you ask? Big time guitar player in the band Toto and other side groups, but also an LA session player with a massive discography over the years. Interesting look at a like as a rock and roll musician....too much...
by MP173
Fri Feb 01, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: Have you searched for your unclaimed property?
Replies: 52
Views: 4205

Re: Have you searched for your unclaimed property?

$.25 (25 cent) dividend from Coca Cola.
$430.00 dividend from Alphabet.

Thanks for reminder
by MP173
Mon Jan 28, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Career Decision - Asking for help.
Replies: 30
Views: 2864

Re: Career Decision - Asking for help.

I stayed with my first employer, a family owned business about 5-7 years too long. I was taken advantage of with low salary but unlike you....no path for advancement. For you, the responsibility is there, but not the compensation (in your mind). The only way to determine if you are adequately compen...
by MP173
Mon Jan 28, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3799
Views: 1093328

Re: What Book Are You Currently Reading? Part VI

Just finished "The Last Dead Girl" by Harry Dolan. This is the second Dolan novel I have read ("The Man in the Crooked Hat"). Wow, good writer in the lines of a Lawrence Block or perhaps Harlan Coban. Next up is John Feinsteins latest book about quarterbacks. I am not an NFL fan, but I am a John Fei...
by MP173
Tue Jan 22, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: Best $300 to $500 Telescope
Replies: 19
Views: 1582

Re: Best $300 to $500 Telescope

I am a regular on the website "Cloudy Nights"....similar to this forum in which there is a massive number of experienced people who will help (in astronomy). I view with my 90mm MAK whenever there are clear skys and the moon is manageable (not a big moon fan as it brightens the sky). As mentioned ab...
by MP173
Tue Jan 22, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 158
Views: 18304

Re: What have you baked recently?

Currently baking a ham, rice, cheese casserole, using leftover Costco mini ham. I added small amounts of onion, garlic, bell pepper, mushrooms and a can of cream of celery soup. Not sure how it will turn out, but man, the house is smelling really good. For years I had a regular white bread recipe wh...
by MP173
Tue Jan 22, 2019 5:02 pm
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 70
Views: 3725

Re: Recommendation for pickup truck?

I would love to have a pickup truck for running around town tending my multiple gardens...however, pickups have replaced big cars and SUVs as CAFE standards have moved towards fuel economy. Even the "midsized" pickups (Colorados) are huge. would love to have an old small pickup. I am not going to pa...
by MP173
Mon Jan 21, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: Best $300 to $500 Telescope
Replies: 19
Views: 1582

Re: Best $300 to $500 Telescope

I would confirm Smoke's recommendation. The 90mm Mak is a good scope. My only concern is the tripod as it looks a little small. The 3 eyepieces will provide a variety of views (power) to have great views of the moon. Jupiter and Saturn will be fun with this scope. Orion is a very good retailer. Ed
by MP173
Mon Jan 21, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: Best $300 to $500 Telescope
Replies: 19
Views: 1582

Re: Best $300 to $500 Telescope

Depends on your objectives. Astronomy? There are some table top scopes out now which are pretty nice. I personally have a Meade ETX90RA which is a Mak and has 3 tri-leg instead of a tripod. I use it on a table. It has been a great scope for me for the past 20 years. My primary interests are double s...
by MP173
Sun Jan 20, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: Importance of college summer internships??
Replies: 44
Views: 1913

Re: Importance of college summer internships??

My recent college grad interned for two summers with an electrical supply company (distributor type company to electricians) and absolutely loved it. He was involved in nearly all phases of the business and it was a very organized program with reading and reporting to be done. The day after he finis...
by MP173
Mon Jan 14, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: James Lee Burke - Nelson Demille
Replies: 6
Views: 593

Re: James Lee Burke - Nelson Demille

More than likely. James Lee Burke is probably the finest pure writer we have today in the mystery genre. I also like Michael Connelly but Burke is so special. He has the ability to craft words together which is difficult to describe. It goes beyond telling a good story, which he does. Demille is pre...
by MP173
Sun Jan 06, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4536
Views: 1168134

Re: What Movie Have You Recently Watched?

"The Children Act" on Netflix.

It was ok.

Ed