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Bill_G, retired, affluence of effluent, and errata

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bill_g
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Re: Bill_G, retired, affluence of effluent, and errata

#51

Post by bill_g »

I cranked up the WayBack Machine, and found some of my professional artwork.

This is from Portland Western Railroad 2013 when I forklifted their system into the 21st century. Obama wanted shovel ready projects, and we had one in the can. It had a big American Made percentage, it modernized a regional transportation system, and we could pull the trigger immediately once funding was in place. Plenty of pretty pictures were involved.

The first image is their Telex console - a PC based dispatch system based on product from Cornhusker country (Nebraska). Their CSoft console application resides on a Windows PC controlling hardware that is miles away across the internet meaning dispatch can anywhere. The desktop user interface had to be clean, simple, easy to use, and packed with everything they needed. From previous installations I learned to put a functional system together, let the users drive it for a while, and then get them actively (hands on) involved with changes they want made.

Unlike a car, we can put the steering wheel and windshield wiper controls anywhere we want. The design software is easy enough for someone on their side to push the elements around, change text, change colors, sizes, etc. I'd follow up afterwards filling the backside functionality. Great collaboration efforts, and instilled a strong bond with the client.

The second image is all their sites plotted on a map with an estimated footprint. The colors of the plots do not correspond with the desktop.

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Re: Bill_G, retired, affluence of effluent, and errata

#52

Post by bill_g »

Art as a diagnostic tool. It demonstrates that one picture equals a thousand words quite well. Give this to a client, explain it, they can kick it upstairs, and the suits can decide the appropriate action(s).

This is a Google Earth image of the PWRR Curtis Siding just west of Aurora and south of Wilsonville where trains pull over to change crews before crossing the Willamette River entering the Portland rail control zone. South of the river is full manual trackway. North of the river is all automated including train control. The Curtis Siding is a big deal, and of course Murphy decided to play a Karmic Joke placing it in a poor radio coverage zone as seen in this image. It is predicted to have >80% failure there. Thankfully the FRA allows cellphone usage when a train is tied up in a siding. So, crisis averted. The only other solution is to put a dedicated radio right there (or nearby) to serve that location.

The yellow ellipse circles the siding location.

If you look closely, the roof of my house cannot be seen here. We are off screen to the east a bit. Not far.

.
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Re: Bill_G, retired, affluence of effluent, and errata

#53

Post by Tiredretiredlawyer »

My mom and dad would have loved drinking a beer or two and talking railroad stuff with you. Dad spent over twenty years as a structural engineer designing railroad beds for the tracks. Mom was the soil tester who ran the necessary tests for Dad to make his design. Their soil lab was in an empty storage room in their house. Mom said it was her railroad track. Interesting stuff.

We bought Dad railroad caps. His favorite was The Possum Trot Line in Chidester, Arkansas, (southwest)
which was a tourist steam engine. My boys loved it. He was the only wearer of this cap when he went to railroad professional meetings.
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Re: Bill_G, retired, affluence of effluent, and errata

#54

Post by bill_g »

Tiredretiredlawyer wrote: Sat Jul 16, 2022 10:56 am My mom and dad would have loved drinking a beer or two and talking railroad stuff with you. Dad spent over twenty years as a structural engineer designing railroad beds for the tracks. Mom was the soil tester who ran the necessary tests for Dad to make his design. Their soil lab was in an empty storage room in their house. Mom said it was her railroad track. Interesting stuff.

We bought Dad railroad caps. His favorite was The Possum Trot Line in Chidester, Arkansas, (southwest)
which was a tourist steam engine. My boys loved it. He was the only wearer of this cap when he went to railroad professional meetings.
That would have been fun. I would have learned a lot about the railroad biz. I only worked the teensiest tiniest part of that sector. One little aspect - make their radios act they way they want them to. I have the same role in public safety, public transportation, the energy sector, commercial, industrial, and healthcare. They each use a specific language to describe their work. They have rules for how their personnel participate in the radio systems. They have different amounts of automation in their systems, different functionality, and different goals beyond just talking to each other. And they all want their radios to be an appliance that anyone can turn on and use immediately without much training. That's where the wizard's work comes in.
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Re: Bill_G, retired, affluence of effluent, and errata

#55

Post by bill_g »

For example, in the dispatch desktop image you'll see fourteen channels their Albany dispatchers can talk on. So, at any given moment there could be fourteen conversations happening. Not likely, but possible. Usually only four at a time. But still, with the cacophony of all those people talking, how is a dispatcher supposed to hear a call to them? How would you know it's an emergency when you have tuned out all that blather after listening to it for hours at a time?

Simple. You run a quiet room. You mute every channel, and someone needs you in dispatch, they "tone" you up. They punch the access code for dispatch (*5 for example) on their radio keypad. The console receives it across the network, acknowledges it by sending back a short beep, unmutes the channel turning on the dispatch speaker, starts a blinking margin around the channel of interest on the desktop, and posts a line in the call history log with date/time and any metadata like loco number. The dispatcher selects the channel and responds. When they are done, they mute it again awaiting the next call. Rinse, repeat.

If it's an emergency, the users dial 911 on their radio. That makes it much more exciting in dispatch with siren sounds coming from their speaker plus a different blinking margin color, and a siren acknowlegement going back out to the callers so everybody knows someone is declaring an emergency if they didn't notice the 911 getting dialed. That doesn't stop until a dispatcher actually keys up and talks.

No other industry wants those features or functions.
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Re: Bill_G, retired, affluence of effluent, and errata

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Re: Bill_G, retired, affluence of effluent, and errata

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Out from under. :thumbsup:
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Re: Bill_G, retired, affluence of effluent, and errata

#58

Post by humblescribe »

Bill,

Your retirement consists of Social Security, not SSI. SSI is "supplemental security income," and is awarded to those less than retirement age who have permanent disabilities. In the old days before direct deposit, Social Security mailed checks monthly to its recipients. Regular Social Security was printed on green checks like income tax refunds. SSI checks were gold.

This is a common misunderstanding among retirees.

And, congrats on your financial planning. Well done!
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Re: Bill_G, retired, affluence of effluent, and errata

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Post by Foggy »

Thanks, humblescribe, I am on the cusp of being virtually forced to collect Social Security, as I am knocking on 70 and have put it off as long as possible. But I will now know better than to call it SSI.
Out from under. :thumbsup:
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Re: Bill_G, retired, affluence of effluent, and errata

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Foggy wrote: Sun Jul 17, 2022 3:43 pm Thanks, humblescribe, I am on the cusp of being virtually forced to collect Social Security, as I am knocking on 70 and have put it off as long as possible. But I will now know better than to call it SSI.
Yeah yeah yeah.. but I betcha had no problem accepting those Medicare benefits on time. Socialist!

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Re: Bill_G, retired, affluence of effluent, and errata

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Foggy wrote: Sun Jul 17, 2022 3:43 pm Thanks, humblescribe, I am on the cusp of being virtually forced to collect Social Security, as I am knocking on 70 and have put it off as long as possible. But I will now know better than to call it SSI.
Congrats on getting that 8% per annum increase in your monthly benefit, Foggy! With the jeans you got from your dear old dad, you should win the bet that your lifetime benefits will exceed those had you taken your SS at 66.

I'll be getting mine next year at age 70 too also. But I also took advantage of the loophole that let us collect half of our spouse's benefit and not touch our own. We Boomers from '53 were the last to get this emolument.

Apologies for stealing the thunder from the instigator of this fine thread, BillG.
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Re: Bill_G, retired, affluence of effluent, and errata

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Post by humblescribe »

neonzx wrote: Sun Jul 17, 2022 3:50 pm
Foggy wrote: Sun Jul 17, 2022 3:43 pm Thanks, humblescribe, I am on the cusp of being virtually forced to collect Social Security, as I am knocking on 70 and have put it off as long as possible. But I will now know better than to call it SSI.
Yeah yeah yeah.. but I betcha had no problem accepting those Medicare benefits on time. Socialist!

Image
We almost are forced to enroll in Medicare at 65. There are financial penalties if we do not. Of course, if one is covered by an employer's health insurance plan that offers coverage equal to or in excess of Medicare, then there are no penalties. But coverage under Part A (inpatient hospital) is virtually automatic, and there are zero premiums because the 1.45% Medicare premiums were deducted from your paycheck (2.9% if self-employed and paid on your 1040.) But Part B (outpatient) and Part D (prescription drugs) do have monthly premiums that escalate if one procrastinates or blows it off.
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Re: Bill_G, retired, affluence of effluent, and errata

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humblescribe wrote: Sun Jul 17, 2022 4:19 pm
We almost are forced to enroll in Medicare at 65. There are financial penalties if we do not. Of course, if one is covered by an employer's health insurance plan that offers coverage equal to or in excess of Medicare, then there are no penalties. But coverage under Part A (inpatient hospital) is virtually automatic, and there are zero premiums because the 1.45% Medicare premiums were deducted from your paycheck (2.9% if self-employed and paid on your 1040.) But Part B (outpatient) and Part D (prescription drugs) do have monthly premiums that escalate if one procrastinates or blows it off.
Medicare is automatic, regardless of if you ever paid into it. Right? That's socialism.
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Re: Bill_G, retired, affluence of effluent, and errata

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humblescribe wrote: Sun Jul 17, 2022 4:14 pm Apologies for stealing the thunder from the instigator of this fine thread, BillG.
Oh no. Go for it. I think we all could use some edumication. I actually enjoy being corrected. The floor is yours.
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Re: Bill_G, retired, affluence of effluent, and errata

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Of course Medicare is socialism. Socialism is a good thing. :biggrin:
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Re: Bill_G, retired, affluence of effluent, and errata

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Foggy wrote: Mon Jul 18, 2022 7:02 am Of course Medicare is socialism. Socialism is a good thing. :biggrin:
I love saying that. It's fun to watch people's reaction when the dawn of realization hits full force. :biggrin:
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Re: Bill_G, retired, affluence of effluent, and errata

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Post by Tiredretiredlawyer »

I read with interest your financial planning details. I admire those that can put pencil to computer and work out those details. I can't do that. Getting down to the penny drove me nuts until Hubby convinced me to be like Sam Walton and call "error some place". It worked.

I have a feel for balance in spending plus a Hubby who now handles the bills (we alternated over the years) and a financial planner who loves those numbers, she does. :biggrin:
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Re: Bill_G, retired, affluence of effluent, and errata

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Tiredretiredlawyer wrote: Mon Jul 18, 2022 9:12 am I read with interest your financial planning details. I admire those that can put pencil to computer and work out those details. I can't do that. Getting down to the penny drove me nuts until Hubby convinced me to be like Sam Walton and call "error some place". It worked.

I have a feel for balance in spending plus a Hubby who now handles the bills (we alternated over the years) and a financial planner who loves those numbers, she does. :biggrin:
Well, don't be too impressed. Since my major was automotive engineering, I had to take a couple terms of production accounting where we saw the ramifications fo a penny in manufacturing. That was before the dawn of the PC, but we did have calulators. Though I never made a career in the auto world, the projects I worked on did involve accountability, and bringing home a profit. As we progressed into the 90's, spreadsheets became the tool of choice to keep track of all the numbers to show why you shouldn't be fired tomorrow.

So of course, I rolled my own checkbook for home use. My spreadsheet is pure brute force formulas and tags with manual cell field entries. If I could easily slide the years around, I could watch our past cost of living change, and project that into the future. That's something I could teach myself. Maybe. It may be a level of precision I don't want to get involved in.
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Re: Bill_G, retired, affluence of effluent, and errata

#69

Post by humblescribe »

neonzx wrote: Sun Jul 17, 2022 4:27 pm
humblescribe wrote: Sun Jul 17, 2022 4:19 pm
We almost are forced to enroll in Medicare at 65. There are financial penalties if we do not. Of course, if one is covered by an employer's health insurance plan that offers coverage equal to or in excess of Medicare, then there are no penalties. But coverage under Part A (inpatient hospital) is virtually automatic, and there are zero premiums because the 1.45% Medicare premiums were deducted from your paycheck (2.9% if self-employed and paid on your 1040.) But Part B (outpatient) and Part D (prescription drugs) do have monthly premiums that escalate if one procrastinates or blows it off.
Medicare is automatic, regardless of if you ever paid into it. Right? That's socialism.
Not true. My dear old dad never was eligible for Social Security and by default, Medicare. He started working for the State of California in 1951, and that was before government employees were forced to pay into Social Security and Medicare from their wages. He and my mom were covered through the state retirement plan (CALPERS).

My widowed sister-in-law receives a modest salary and health insurance benefits from the business that her late husband founded. She is 77. She does have Medicare Part A, because she paid into it when she was young, but not Part B or Part D, as those are covered by her private health insurance.

Then we get to those individuals who never worked for wages or had self-employment income. Those folks are generally beneficiaries of trusts established long ago by wealthy ancestors or are active in rental real estate. Income from rents, royalties, interest, dividends, capital gains, and passive business investments are not subject to Social Security or Medicare taxation. If you haven't paid into SS, you are not eligible for Medicare unless you pay monthly premiums, and that includes Part A.

You'd be surprised at the number of people who make a decent (or better) living from rents and investments.

I would hazard a guess that tfg's income is all from rents and passive investments. That said, he likely worked enough when he was on television plus his four years mucking everything up from the White House to be eligible for SS and Medicare.
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Re: Bill_G, retired, affluence of effluent, and errata

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Post by bill_g »

Day 32 of my "retirement", and my first day back to work to progress on a project as promised. I must say I don't feel rested though my Fit bit says my resting heartrate was been staristepping down all July. See attached screenshot.

I did get a lot accomplished - things that have been dogging me for months:
Fixed my shop floor and foundation
Fixed the back porch
Fixed the front porch
Rehab the garlic bed, strawberry bed, tater bed, and all but one flower bed

AND

I only logged 16 hours of support over the phone or by email, and only 4 hours of on site service for the month of July.

Only 16 + 4.
Only.

Sounds like retiring is going to be as difficult as quitting smoking.

.
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Re: Bill_G, retired, affluence of effluent, and errata

#71

Post by pipistrelle »

I had a cousin a few times removed who retired early on disability due to sky-high unmanageable blood pressure.

Within a short time, blood pressure back to normal.

Weird how that works.
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Re: Bill_G, retired, affluence of effluent, and errata

#72

Post by bill_g »

Let's see if I can keep this straight:
(this all happened this evening)

Received: a big plate of fried chicken and bisquits from Pine St Cafe at work today for lunch
Given: To Mrs - Fried chicken and bisquits because it's more than I could eat, and she could use a pound or two
Received: two pints of black cherries for mowing my Russian neighbor's lawn this last weekend
Given: one pint of black cherries and a cucumber to our Vietnamese neighbor because random kindness after I picked cukes for dinner
Received: two pints of fresh blueberries from a neighbor I gave garlic to weeks ago
Given: one pint of blueberries and a cuke to one of our Sunday dinner crew who is staying out of the heat
Received: a half dozen fresh Spring rolls and dipping sauce from same Vietnamese neighbor an hour later
(very tasty with fried chicken)
(and now I have lunch for tomorrow too)
Given: a cuke, some basil, and a garlic to our golf pro neighbor next door
Received: a healthy slice of fresh apple pie her SO just baked

So, now we have apple pie with sliced cherries and blueberries on top for dessert. I'm adding yogurt. Mrs wants Cool Whip.
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Re: Bill_G, retired, affluence of effluent, and errata

#73

Post by Cyrus Breckenridge »

Running a spreadsheet has been a big part of my financial planning over the years since I retired. I receive my pensions (both private and state) monthly. But I have quite a few bills that come in every three or six months, and one large one annually. This means every now and then I would have a very lean month in terms of disposable income, or even have to dip into savings.

So I set up a spreadsheet which covers the year ahead on which I enter estimates of those bills. The spreadsheet tells me the regular sum I need to save on a monthly basis to be able to pay those bills when they arrive. That regular sum goes into a separate checking account which also pays a small rate of interest. This way, the monthly peaks and troughs of disposable income which make planning difficult are eliminated.

The thing is, when I tell someone what I do, I get the feeling that I am looked upon at best as a bit of a nerd, and at worst as… how can I put it? A little TOO careful with money. But hey, it works for me.
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Re: Bill_G, retired, affluence of effluent, and errata

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Post by sugar magnolia »

Cyrus Breckenridge wrote: Tue Aug 02, 2022 3:01 am Running a spreadsheet has been a big part of my financial planning over the years since I retired. I receive my pensions (both private and state) monthly. But I have quite a few bills that come in every three or six months, and one large one annually. This means every now and then I would have a very lean month in terms of disposable income, or even have to dip into savings.

So I set up a spreadsheet which covers the year ahead on which I enter estimates of those bills. The spreadsheet tells me the regular sum I need to save on a monthly basis to be able to pay those bills when they arrive. That regular sum goes into a separate checking account which also pays a small rate of interest. This way, the monthly peaks and troughs of disposable income which make planning difficult are eliminated.

The thing is, when I tell someone what I do, I get the feeling that I am looked upon at best as a bit of a nerd, and at worst as… how can I put it? A little TOO careful with money. But hey, it works for me.
I've done that for years. We have 2 accounts that are tied together and it automatically transfers a set amount every payday to the secondary account for bills. I rounded it up by a few bucks so it grows a little with every transfer. The primary account is to spend from and I know exactly how much I have to work with. Even when we paid off the house I kept putting the mortgage payment into the secondary account for big outlays, like the daughter's wedding or a big car repair. It's being depleted faster than I'd like by medical bills but those aren't forever. I hope.
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Re: Bill_G, retired, affluence of effluent, and errata

#75

Post by bill_g »

Cyrus Breckenridge wrote: Tue Aug 02, 2022 3:01 am The thing is, when I tell someone what I do, I get the feeling that I am looked upon at best as a bit of a nerd, and at worst as… how can I put it? A little TOO careful with money. But hey, it works for me.
That was a good plan Cyrus. Well done. One can never be too careful with money.
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