Search found 1835 matches

by MP173
Sat Feb 17, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 77
Views: 3868

Re: Best plants to grow to save money for food costs

The growing of vegetables is more of a hobby and enjoyment of fresh vegetables rather than cost savings. That being said: About $2 in seed potatoes will yield enough potatoes to last from August to Thanksgiving. Onion transplants (not sets) cost about $1 for 30. Invested $4 and we had massive quanti...
by MP173
Fri Feb 16, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 84
Views: 4377

Re: Question for music experts about musical keys

Cheyene really addressed the questions regarding bass vs guitar and electric vs acoustic, but I will throw in my 2 cents. Knowing the guitar makes the bass a lot easier. I would also recommend learning an acoustic guitar first and then move on to electric and then to a bass. Or perhaps not even go e...
by MP173
Fri Feb 16, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 84
Views: 4377

Re: Question for music experts about musical keys

Regarding session musicians.... Last year I read the book - Good Vibrations by Mike Love. I was never a big fan of the Beach Boys but that book turned me on in a big way. There are a number of videos on You Tube showing the recording of various Beach Boy songs in the studio, using the Wrecking Crew....
by MP173
Thu Feb 15, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Rant about relocation mortgage assistance, and a question
Replies: 54
Views: 2911

Re: Rant about relocation mortgage assistance, and a question

chickens and vegetables in a $2m house.

Sold!

Go for it.

Ed
by MP173
Thu Feb 15, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 84
Views: 4377

Re: Question for music experts about musical keys

Great discussion. I took a short class in music theory years ago...just enough to know a little bit. Let say a song has a key signature of 1 sharp.... G major. But, if it is started in Em, is it still technically in the key of E minor or is it G major key? Same with C and Aminor. Which key is it and...
by MP173
Thu Feb 15, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 6342

Re: Work-out schedule for those in 60s

62 years old here. Last fall I changed my routine when I headed to the gym. During the summer months I ride my bike about 4-5x week - typically 70 - 80 minutes at 130 and above heartrate. Then to the gym when the weather changes. This time, I wanted to include weights and other things. This is my ty...
by MP173
Tue Feb 13, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 84
Views: 4377

Re: Question for music experts about musical keys

I took up guitar 17 years ago at ago 45 with no formal training previously. The concept of keys, chord changes, etc has always intrigued me. Why do certain notes or chords sound good with others? After all these years I still do not have the answer, nor do I have perfect pitch, but I can generally r...
by MP173
Tue Feb 13, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 79
Views: 8913

Re: Job is starting to suck the life out of me.

It is full employment out there. Now is the time to look if you are unhappy.

But...figure out what you want to do. You shouldnt be miserable 1/3 of your life.

Ed
by MP173
Tue Feb 13, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Help me help my niece (College costs, financial aid, etc)
Replies: 41
Views: 2467

Re: Help me help my niece (College costs, financial aid, etc)

Advise above is to double major and I would suggest a Marketing degree along with the art degree. I have mentored young men and women fresh out of school in the past and have been amazed at the amount of student debt some have had. Not a good situation. This is a tough situation....she no doubt wish...
by MP173
Wed Feb 07, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Old mechanical pencils
Replies: 11
Views: 1939

Re: Old mechanical pencils

My bad....it is 1.1mm.

Thanks for replies.

Love those old pencils...along with my old slide rules.

Ed
by MP173
Tue Feb 06, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Old mechanical pencils
Replies: 11
Views: 1939

Old mechanical pencils

Anyone here collect old mechanical pencils? I have picked up a few (15-20) over the past few years, usually those with advertising on them...especially railroads. Here is the issue...the lead in these is fairly thick and once it has been used, cannot seem to be replaced. Does anyone know the thickne...
by MP173
Thu Feb 01, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 75
Views: 7703

Re: New mattress

OP here...

We purchased a Restonic brand California King firm spring mattress. Working like a dream (pun intended) so far (3 nights in).

Not an experience that we wish to revisit. Hopefully this will last 10 years or more.

Ed
by MP173
Wed Jan 24, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Article: 8 Frugal and Forgotten Ways Your Great-Grandparents Made It through Hard Times
Replies: 29
Views: 5083

Re: Article: 8 Frugal and Forgotten Ways Your Great-Grandparents Made It through Hard Times

My father graduated from high school in 1929, my mother was 10 years younger than him and only had 10th grade education. My father "worked" and lived on a farm as a hired hand and saw his income drop to the point where they could not afford to pay him. He lived with them and gave him $$$ when it was...
by MP173
Wed Jan 24, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 143
Views: 12757

Re: What is the best home exercise equipment?

My home workout equipment consists of: 1. Trek bike 2. 20# and 25 # kettlebells. 3. Resistance bands Due to climate, I seldom ride outside from November thru April and go to YMCA for workout. I really like the Expresso stationary bike which features a computer screen with courses to ride. This is as...
by MP173
Sun Jan 21, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Rent (free at library) or buy books?
Replies: 50
Views: 2957

Re: Rent (free at library) or buy books?

I enjoy going to the library and typically read 40-50 books per year.

Books that I wish to keep for reference will be purchased. I will also buy books at garage / estate sales and then give to co-workers after reading.

No e-books yet.

Ed
by MP173
Tue Jan 16, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2844
Views: 893422

Re: What Book Are You Currently Reading? Part VI

Just finished Lawrence Block's "Tanner on Ice". Block is one of my favorite authors and he has been quite prolific in his career. I have never read a "Tanner" series book and this was quite slow for awhile but picked up steam. It sort of reminded me of William F. Buckley's "Blackford Oakes" series. ...
by MP173
Sun Jan 14, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 12387

Re: Is it time for me to "call in rich"?

I agree with the others...you are in a good place financially with healthcare being the only expense issue and even that should be manageable. Only other concern I see is that you have $900k in individual stocks with $600k in cap gains. How diversified is that $900k? How many stocks? What is that am...
by MP173
Fri Jan 12, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 4694

Re: Almost a pathological fear of debt, to my detriment?

I do not think there is anything wrong with not wanting debt. Now, if it causes issues in your life, then that is a problem. My father graduated from HS in 1929, my mom was 10 years younger. They were both influenced deeply by the recession. Their behavior affected me as I observed how they lived. W...
by MP173
Thu Jan 11, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 358
Views: 40579

Re: Netflix, Your Current Favorite Show

finished Season 2 of Lilyhammer....slow start but enjoyed the last couple of episodes.

Looking for more suggestions.

ed
by MP173
Mon Jan 08, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 132
Views: 8170

Re: What non fiction book will you be reading in 2018?

As mentioned above, I was going to read John Feinstein's "The First Major" about the 2016 Ryder Cup. Finished it and highly recommend it. I am not a golfer, nor do I follow it. However, Feinstein is excellent. After finishing I am ready to: 1. Find other books of his to read. 2. Watch big golf (majo...
by MP173
Thu Jan 04, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is paying down the mortgage the right choice?
Replies: 16
Views: 1757

Re: Is paying down the mortgage the right choice?

I personally enjoy being debt free. That is my personal view. Everyone is different.

Smart of you to be planning 20 years in advance.

I can only imagine the higher quality of life in NC vs NYC.

Good luck.
Ed
by MP173
Thu Jan 04, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security at age 62 perhaps?
Replies: 57
Views: 5067

Re: Social Security at age 62 perhaps?

Diogenes says it best "There is no one right answer." Again, thanks to all who have responded and PM'ed me. I dropped in to see my accountant today...his door is always open and discussed the situation as he is somewhat familiar with our situation. He confirmed that we will be taxed at 85% of the be...
by MP173
Thu Jan 04, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Social Security at age 62 perhaps?
Replies: 57
Views: 5067

Re: Social Security at age 62 perhaps?

Great information....thanks to all.

Lots to chew on, but it seems as if we are leaning on her taking the benefit at 62 and me at a later date...probably 70.

ed
by MP173
Wed Jan 03, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security at age 62 perhaps?
Replies: 57
Views: 5067

Re: Social Security at age 62 perhaps?

So, to steer this back on topic and hopefully address a question of mine... It appears that there are definite benefits, based on our situation it will be considered. Next question...assume she take the benefit and I continue working...how will her benefits be taxed? I read enough to realize there w...
by MP173
Wed Jan 03, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 13034

Re: Embarrassment Preventing Retirement Work: A factor for you?

One more comment. I ran into a "Basketball legend" here in NW Indiana last spring. He played for a State Championship and also an NCAA championship at UCLA in the 70s. He also coached a HS championship before retiring. Our paths had crossed several times during our playing days and we have sons that...
by MP173
Wed Jan 03, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 13034

Re: Embarrassment Preventing Retirement Work: A factor for you?

As I grow older I find myself following footsteps of my father. He and mom owned a small grocery store and worked 6 days a week from 7am til 6pm. Lots of hours. I do not quite work that much but am highly motivated. When he retired, he simply moved from doing what he had to do to what he wanted to d...
by MP173
Wed Jan 03, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Social Security at age 62 perhaps?
Replies: 57
Views: 5067

Re: Social Security at age 62 perhaps?

Thanks for the replies so far. I have discussed this with DW and we have some serious discussions and planning to do before making a decision. Several points: 1. We are not trying to maximize the overall payout. As pointed out, there is no way to plan the dates of our deaths. 2. Probably my biggest ...
by MP173
Tue Jan 02, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security at age 62 perhaps?
Replies: 57
Views: 5067

Re: Social Security at age 62 perhaps?

Her PIA at full retirement (per last statement) was $1610.
Mine is estimated at $2650 (last statement was several years ago.

Ok...can anyone recommend a good reference book or website or other source? Probably should do some work myself on this.

ed
by MP173
Tue Jan 02, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security at age 62 perhaps?
Replies: 57
Views: 5067

Re: Social Security at age 62 perhaps?

I am the higher wage earner and that was one benefits of her taking the SS early.

Ed
by MP173
Tue Jan 02, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security at age 62 perhaps?
Replies: 57
Views: 5067

Social Security at age 62 perhaps?

DW took an early retirement June, 2017 when offered. She will be 62 this March. Our initial plans were to each take SS at age 70 in order to maximize payout. We are re-thinking that at this time. I am 62 and plan on working for several years...enjoy my career and at this point in time there is no re...
by MP173
Tue Jan 02, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 358
Views: 40579

Re: Netflix, Your Current Favorite Show

Thanks for all suggestions.

We watched Lilyhammer last night and loved it.

We were going to watch Fargo, but were prompted to pay...is that normal?

Ed
by MP173
Mon Jan 01, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2844
Views: 893422

Re: What Book Are You Currently Reading? Part VI

"How We Work and Why" by E.Hunter Harrison.

This was privately published by Canadian National Railroad and was penned by their then CEO. He recently died while CEO of CSX Railroad. He was very controversial in his "Precision Railroading."

Ed
by MP173
Mon Jan 01, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3343
Views: 961969

Re: What Movie Have You Recently Watched?

Miss Sloane last night on either Amazon Prime or Netflix.

Enjoyed it. Jessica Chastain was very much a cold, calculating political operative that you seemed to root for.

Perhaps I enjoyed it so much was that it seemed to be very reflective of the current scene.

Ed
by MP173
Sun Dec 31, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: [My] Books of the year
Replies: 4
Views: 717

Re: Book of the year

I never read "Hillbilly Elegy" by Vance. Heard lots of good things about it.

Will pick it up soon.

Ed
by MP173
Sun Dec 31, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: [My] Books of the year
Replies: 4
Views: 717

[My] Books of the year

I just finished my 48th book of the year and added them to my database (recorded 445 books read since 2005). Here are books/authors with my favorites of the year. These were not necessarily written this year, but read this year. Fiction favorites: Extreme Ownership - Willink/Babin - Navy Seals view ...
by MP173
Sun Dec 31, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2844
Views: 893422

Re: What Book Are You Currently Reading? Part VI

Just finished reading Kate White's "Even if it Kills Her". This is a recent Bailey Weggins series book, but the first I have read from White. Will read other works as I am always looking for mystery books.

Ed
by MP173
Wed Dec 27, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2844
Views: 893422

Re: What Book Are You Currently Reading? Part VI

"Pretty Girl Gone" by David Housewright. I am running out of books by my favorite mystery authors and have branched out. Housewright is pretty good, a notch or two below Michael Connelly, but that is not too bad! His series revolves around a Minneapolis PI Mac McKenzie who does "favors" for friends....
by MP173
Fri Dec 22, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Appointment Calendars from the past
Replies: 28
Views: 2262

Re: Appointment Calendars from the past

I keep that sort of stuff. My sales career started in 1990. I have all of my appointment calendars (Day Timers). It is interesting to go back and relive those days.

Plus, I have kept a daily dairy since 1980. Every day... a full page.

Ed
by MP173
Tue Dec 19, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2844
Views: 893422

Re: What Book Are You Currently Reading? Part VI

Just about done with "Night School" by Lee Child.

Reacher (late 1990s) is in Germany and is tracking down a AWOL soldier that is selling something for $100 million.

Very good.

Ed
by MP173
Tue Dec 19, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3343
Views: 961969

Re: What Movie Have You Recently Watched?

Recently watched:

The Big Sick - We both enjoyed it.

The Only Living Boy in New York - I really liked it, wife was luke warm. Reviews were not so good, but it worked for me.

Ed
by MP173
Mon Dec 11, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2844
Views: 893422

Re: What Book Are You Currently Reading? Part VI

Michael Connelly's latest Harry Bosch - "Two Kinds of Truth". Great book about an old friend Harry Bosch. I enjoyed this one as much as any of the others. Also recently finished John Sandford's "Deep Freeze". Not nearly as good as Connelly's latest. While Harry Bosch's charactor continues to evolve ...
by MP173
Sun Dec 10, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 13085

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

OP: One of my rules for life is very similar to what others have stated, but with a twist. "Always have a plan, but write it in pencil." Perhaps you should modify that to write your five year plan in pen in order to find what you think is well needed stability. Good luck. I have enjoyed reading thes...
by MP173
Sat Dec 09, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Re-inventing career in mid 30s? Law? Tech? Sales?
Replies: 18
Views: 2339

Re: Re-inventing career in mid 30s? Law? Tech? Sales?

I had a similar conversation with myself at age 34 and switched to a sales position. It was brutal for six months (learning curve of the product/service), then I started developing customers and here I am 27 years later doing the same thing. It was one of the best decisions of my life. To be fair, I...
by MP173
Tue Dec 05, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: One answer to the Dividend stocks puzzle from behavioral finance
Replies: 184
Views: 13317

Re: One answer to the Dividend stocks puzzle from behavioral finance

Yet another discussion on dividends. Why do I own dividend stocks? Back when I started getting serious about investing (1994) DRP programs were a low cost (but clumsy) method of investing in individual stocks for people that had small amounts of $$$ to invest on a regular basis. Sure, mutual funds w...
by MP173
Mon Nov 27, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2844
Views: 893422

Re: What Book Are You Currently Reading? Part VI

Just finished Paul Shirley's "Can I Keep My Jersey". Shirley writes about his professional basketball career...this book covers 4 seasons, 11 teams in 5 countries. He is a very good writer and good enough to make $$$ in a very difficult profession. BTW, he graduated from Iowa State University with a...
by MP173
Sun Nov 12, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2844
Views: 893422

Re: What Book Are You Currently Reading? Part VI

"Broken River" by J. Robert Lennon. Set in rural New York, a family moves from NYC upstate to escape infidelity issues and moves into a house where an unsolved double murder was committed 10 years previous. Infidelity and the murderers return with a predictable ending. It was ok. One never quite und...
by MP173
Mon Nov 06, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2844
Views: 893422

Re: What Book Are You Currently Reading? Part VI

Yesterday started and finished "Keller's Fedora" by William Block. This is a short (90 page) novella if you will in the Keller (the killer) series. I absolutely love Block. Would not pay for the book due to shortness, but it is at our local library. I picked up Broken River by J Robert Lennan...new ...
by MP173
Mon Oct 30, 2017 4:58 pm
Forum: Investing - Theory, News & General
Topic: How to learn about financial statement analysis?
Replies: 31
Views: 3302

Re: How to learn about financial statement analysis?

I have always been interested in company's financials and the use of ratios, etc. At this point in time, I use Morningstar to crunch out the data and ratios. There are a few important ratios which I pay attention to. The book "Five Rules for Successful Investing" (Morningstar Publication) by Pat Dor...
by MP173
Mon Oct 23, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 5006

Re: what is your weekly workout routine?

I am inspired with these. Age 62 and still working. Typically will ride bike 60 -75 minutes 3-5 x weekly from April thru October and then move inside for stationary bike and add pushups, resistance bands and light weights. My goal is 200 workouts per year. Heading to the indoor gym now that weather ...
by MP173
Sat Oct 14, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 75
Views: 7703

Re: New mattress

Thanks for replies. We went out last night and surveyed one store. Beautyrest Black was the initial mattress....expensive. Another brand was about 50% of the cost. The problem is not being able to sleep on it. We are both above average in size....I am 6'7" and my wife nearly 6'0. At our ages (62/61)...