(roughly 1/2 a gram of brass, or in today's economy,$.02)
This immediately caught my attention as that seems like an awful lot of money for one half gram of brass, considering that I am still hoarding up US copper cents which at today's economy price in USD still has a little over $0.02 worth of copper in one US cent, which contains 3 full grams of copper, 6 times the amount of copper at the same price upon what was posted in comparison for a 16% amount of brass.
As far as brass is concerned, the type of brass is not specified however it is an alloy of other metals mixed together as the main ingredient of brass consists of copper....the higher grades of typical yellow brass will consist of 90% copper with 10% zinc, as the typical higher grades of bronze will consist of 88% copper with 12% tin.
With this in mind, I have yet to see any metal recycler buy copper or brass at the retail price of what a factory or hardware store would buy it from the manufacturer for resale, as the rule on dealing with metals would actually be metal scrap prices.
Today's high grade copper price stands at $3.19 USD per US lb. (which is refined copper wire - minimum 16 gauge per wire strand thickness - bright and shiny - no discolorment) this is the only form of recycled copper that has a 100% recovery rate.
Copper #1 grade pipe, busbar, clean discolored wire, etc. has a 96% recovery rate as those materials trade for slightly less than high grade copper, but still holds over the $3 per US lb. price.
I checked a few sites of quoted scrap prices on various grades of brass, as today's general #1 brass grades average $1.70 per US lb., as dividing this price by 16 (converted to US ounce), and dividing by 28.3 (US ounce per gram), then dividing the gram in half - the US price per half gram of brass in scrap terms is roughly 3/16ths of one US cent or ($0.001877).
If the widow would somehow find a buyer to pay $0.02 for that half gram of brass, that would calculate to $18.11 USD per US lb., I guess that could vouch for a retail rate but considering say a 500 MCM size of high voltage service wire would retail $12.00 per one foot length, a good full pound of high grade copper content.
Regardless of the price of today's brass, starting out with any $0.02 investment over 2000 years and ending up with stacked currency reaching the sun and back to earth 1700 trillion times is quite impressive, all central banks combined have never printed that much currency ever.
But don't forget, the stack is only based for the month of June when this planet is farthest away from the sun at 93 million miles, compared to December when this planet is closest to the sun at 90 million miles (according to my math 1754 trillion, 838 billion, 6 million times).
Although I am pretty sure I won't outlive 2000 earth years to watch my portfolio grow, however I think the faster way for a fat chance short term investment is somehow locate a craps table with an even fatter chance no limit table and invest a typical $5 minimum on the pass line....if you can roll a "seven" 15 consecutive times or pass 15 consecutive sessions keeping your entire investment riding on the pass line, you will have earned $163,840.00 as little as 5 minutes of work.
Now, if you were to invest an extra $10 (double odds wager) starting with $15 on the craps table and roll a "six" or an "eight" and repeating the same established six or eight roll without rolling a "seven" in the session, and do the same feat for 15 consecutive sessions maximizing up to double odds on each session wager with the pass line riding on the entire investment, you will earn $1,273,232.00 for roughly one hour of work (depending if the dealers pay fast enough while how often the table boss keeps checking the dice).
The closest I ever got to this dream scenario on a craps table was winning over $1100 on a $100 buy in (always playing conservative) as I estimated shooting the dice over 60 times in one session, while the table boss kept ragging on me about bustin the table out of every $5 chip everyone hoarded up on his watch as he was gonna get ragged on if he had to go to the cage to restock more $5 chips, especially at 300am and the only table open, and then seeing four floormen appear watching me like a hawk in disbelief running their fingers thru their hair upon another pass, after pass, after pass.
After my session streak was done, everyone parted like the red sea waiting to cash out at the cashier's cage when I approached as everyone let me cash out first while high fiving me and applauding loud, the cage lady told me I made the staff's day too seeing their management sweat for once....that night for me was better than seeing it in the movies that's for sure.
A situation like this could come around once in a lifetime and probably more than once in 2000 years.
The only time I been to Captain Cook State Rec Area was in May 1992 at the end of the Kenai Spur Road, I think it is a nice out of the way place to kick back as well.
On the clear perfect day I was there, it was spectacular and walked down to the beach area when the tide was out.
I only spent a couple hours in the area as I wasn't an RV'er at the time.
The Kenai Peninsula in my opinion is the most majestic area in Alaska to visit as far as the road system is concerned, however it does get crowded when fishing season kicks in, and particularly the traffic in stretches can be downright (even more during the weekend) dangerous as others have noted how commuters disregard other people's safety as they do have more fatalities along their roadways more than any other area in Alaska, I seen it myself everytime whenever I visited there, illegal and erratic passing tactics....beefed up patrols and double fine zones are still not enough.
Thank goodness for the handful of passing lane zones the Seward and Sterling Hwys. they have now, as I remember my first time on the Peninsula when the entire stretch to Homer had no passing lane zone other than Turnagain Pass.
To this day I still never had taken my RV rig south of Anchorage and on the Kenai Peninsula, the only areas in Alaska by roadway, one day I more likely will sometime in the future.
It is so cold, that a cup of hot coffee at the restaurant is now listed on the menu under "Cold Drinks".
Todays daytime temp (Sunday 24th) was +3 F...
Wednesday the 20th was our area's first overdue dip past -20 F below temp day which started out at -34 F below... worked outside for 5.5 hrs out of the 9 hour shift.
Thursday the 21st the overnight low reached -41 F below... worked outside for 6.5 hrs out of the 8 hour shift but late in the shift it started warming up to -19 F below.
Before the two day coldspell, we had a nasty storm with 70 mph gusts in the Fairbanks area which knocked out power, as I was one of the luckier ones to have restored power back on upon 15 hours, which in the meantime I temporarily rewired my furnace and ran it off the generator so my water pipes wouldn't potentially freeze underneath my trailer house.
But hey, this is part of the deal living in Alaska during the winter....adversity !
The higher elevations thru mountain passes are the only intermittent worry that is short lived during April should snow conditions arise for Southern Nevada or Southern California...
March and early April is windy season for the deserts with sometimes nasty duststorms, which can also bring rain once in a while...but other days in between it is perfect weather in the deserts.
I would say the only concern for after the first week of April while in Las Vegas is the daytime temperatures can reach the lower 90's F or lower 30's C while clear...unless these hotter temperatures are bothersome, an umbrella to carry around for shade and-or a redneck air conditioner (water spray bottle) is great to have for a deterrent during the afternoon days which worked for me while outdoors.
Anaheim is pretty much coastal weather that is practically perfect temperature wise.
March travel can be hassle free thru the passes and higher elevations on certain western routes as long as the jet streams behave, then again it's a crapshoot of course.
Although Disneyland is usually a pretty busy place year round, I would try to get that visit over with before late May at the latest because of the Memorial Day Weekend which kicks off summer thru Labor Day Weekend, as many kids are out of school by then and gets even more crowded.
Mid March to mid May would be the timeframe I would be shooting for a trip like this, but weighing the options between putting up with early on potential road condition delays or later on in the desert dealing with blistering heat.
As a born and raised native Southern Californian that I am, I too would highly recommend continuing to commute the northbound I-15 route over the I-215 from the San Diego area as the majority have posted...
The worst of the I-215 route that I can confirm is thru Riverside, which has mainly been a snarled mess along the I-215 CA 60 CA 91 interchange, the second worse portion is next going thru the heart of San Bernardino with the potential of dealing with more heavy traffic (but not always), minus one lane that I remembered in my heydays there when that route was known as the temporary I-15e.
In February 1998 upon visiting while in Palm Springs, it was moderate to light heavy traffic on the I-215 in San Bernardino between the I-10 and Devore while driving to Las Vegas on a Friday night, I couldn't believe it.
In it's usual state, when the I-215 meets with the CA 60, it becomes a junction route for about 5 miles or so between Riverside and Sunnymead (which they call Moreno Valley now) in which traffic flow thru this stretch could be ok, slow, or pure gridlock at any given moment.
Commuting on the northbound I-215 route is still doable, however there is a much greater chance a commuter will be tied up in traffic versus the northbound I-15 if the location option element is there.
April 2009 - westbound CA 60 and I-215 with light moderate traffic approaching Riverside :
This picture I taken is a rare sight at the westbound CA 60 I-215 and CA 91 interchange without the usual 100 to 250 vehicles fighting for position that I endured in the past during daytime commutes in my heyday :
I cannot speak for the I-15 corridor of what it is like now between Corona and Escondido as I have not commuted thru there since 1978, however during my one day Anaheim visit in 2009 I drove to Las Vegas the following day which was during rush hour on a Friday morning...
Reached the eastbound CA 91 at I-15 interchange at Corona - 700am :
Smooth light traffic on the northbound I-15 at CA 60 interchange crossing here 8 minutes later :
Smooth light traffic on the northbound I-15 at I-10 interchange crossing here 5 minutes after :
Overlooking in south direction at the north ending of I-215 where it meets with I-15 in Devore at 723am :
Unless some sig alert has been issued, it's pretty hard to beat reaching Devore in less than 30 minutes from Corona that's virtually a hassle free route in Southern California while avoiding both Riverside and San Bernardino going in the same northbound direction before heading on to Cajon Pass.
It is a debit card. I do "Low/no Balance" checking. so unless you nail me on payday. You are not getting much..
This is exactly how I bankcard as this is the only method of control I have in order to safeguard my assets when using a bankcard, the only advantage a debit card has over a credit card is the debit card has to have sufficient funds for the potential purchase or else it cannot be used.
This one free checking account I use is a Visa debit card (which has limited consumer protection), as I only use this card STRICTLY for local or in state gas pump purchases and internet purchases only...as I have always logged every internet purchase since day 1 and annotated in a notebook the merchant, time, date, password if applicable, confirmation number...so this way I can help try to determine which source caused the potential compromise if I ever get fraudulent charges on the card - and so far I have yet to have that happen to me since the card was issued in 1998.
Before I ever make an internet purchase for the first time with a merchant, I confirm that the business exists, along with talking to a real live person by confirming if the items I want are in stock, terms, without going thru any pay pal or ebay, etc. before purchasing.
The disadvantage of using a debit or credit card are the tasks you have no control over, such as :
-each use of the card could potentially be subject to compromise
-processing errors by merchant
-potential hacking of the merchant server databases to obtain card info
-card issuer potential change of policy which always leads to some form of glitch or not approving an immediate sale transaction like normal
-potential bankcard or credit card systems temporarily down
The tasks a person has somewhat control over using a debit or credit card are :
-potential employees of businesses obtaining your card info, which is why you should never let anyone take your card out of your site for them to process it, or having someone hold your card for collateral deposit prior to a purchase such as gas if their gas pump card swipe slots are inoperable or non existent
-limit the places while using your card to lower your chances of potential compromise
I never keep more than a $200 balance in this checking-debit account at anytime so if the card ever gets compromised they will not get much.
Other than preparing for a potential internet purchase order I will make a prior day deposit in order to cover sufficient funds for the following day purchase.
For the longest time I refused to purchase gas with a card because of the potential compromising, however I finally got pretty tired of paying cash for gas during the winter months on brutal subzero temp days the older I am now (like -20 to -50 F below temps) while having to wait in line for minutes and prepay, then pump your gas, then wait in line again for minutes while waiting for your change back and receipt (because I always fill the fuel tank full), especially having to work outside on a full time basis and after working a 9 to 10 hour shift outside I am already pretty cold despite all the arctic gear I am wearing, so once I got a taste of purchasing gas with the debit card there was no waiting in line anymore which made better use of each 6 minutes of my life not waiting in line twice per gas purchase....a few times the card systems were temporarily down to where I would pay in cash, which is how I always got by in life before (or during my poor days when I ever had any cash to spend).
To this day I never had a credit card, never had the incentive to have one either as I have no established credit....they are nice to have in many ways but not worth it in my situation as I don't believe in paying for someone else's retirement with APR's or annual fees, etc....
A few on this site say now they offer certain credit cards that are APR and fee free as long as the full balance is paid off in 30 days due, plus the credit card issuer offers a 1 percent cash back.
Now if I were to own a business or make bookoo bucks with enough revenue to itemize on federal taxes and still had a credit card offer like that, now you're talkin' incentive as I know a couple people that spend constantly going this route using every purchase with a credit card while obtaining more offers, racking up frequent liar miles to fly free most of the time, and time they have too by the way....when you have both money and time, the world is your oyster.
In my situation I do not spend a lot of money in the economy compared to others, so even if I was offered such a card that pays me 1 percent back for every purchase I make, that would only be a rebate of $130 per annum as my typical total yearly expenses are around $13,000 per year (excluding vacation expenses), not worth the risk to me of making $11 per month swiping some card with my name on it to every business and merchant with no potential control of deterring identity theft and fraudulent purchases, as I hate the idea of having to straighten out a situation like that....I make more than $11 per month on my money market account alone which has no ties to any bankcard anyway.
Debit card use : strictly from a federal credit union bank checking account - only card used for electronic transactions
ATM card use : strictly from a different federal credit union bank savings account, as I only use this card withdraw cash from the bank's own ATM machines (no fees), as this card is NEVER used for electronic transactions of any kind.
Second debit card : (only used once so far - car rental) issued from a major bank with branches throughout the US and only used for travel within the continental US, mainly opened this account in order to stay away from transfer fees or ATM fees from the credit union accounts....this account also has a minimum balance to keep it active as no one will get much should it ever get compromised.
Canada bankcard : I have yet to use this bankcard in any ATM machine and never made a debit purchase on it, as the only time I swiped this card was at the bank teller counter which is required to conduct banking business....depositing US dollars in my US funds account and transferring some to the Canadian funds account (non cash rate which is a slightly higher exchange rate), then I withdraw some Canadian cash.
Mainly opened this account due to the fact the Canada banks were now limiting the amount or refusing to exchange foreign currency with non account members that had a more favorable rate versus a foreign exchange centre or most merchants that would accept the US dollar that would offer an unfavorable rate, now with an established account I can deposit and exchange an unlimited amount of currency, even exchanged funds online over a two year period waiting at the right times for a more favorable rate and truly benefitted from it upon my last two vacations in Canada, man it was like a 3 percent rebate even.
This Canadian bank account is the bomb and wished American banks were like this.
All my times in Canada, I have yet to make any electronic transaction purchase and always paid cash for everything....in the past, the farther north of Canada at some places would not accept any form of payment other than cash, and as time progressed most of the areas now have better electronic infrastructure and widely accept bankcards.
To me, cash is still king and is always accepted.
Stores - I pay cash
Retail - I pay cash
Restaurants and tips - I pay cash
Gas purchases outside the state of Alaska - I pay cash
Practically everything else I buy other than gas or internet purchases - I pay cash
Utilities, insurance, federal-property taxes, phone and internet - I pay cash in person or personal check via mail (and lump sum payment 6 months in advance for each bill during the winter months) ...as I don't like the idea of authorizing automated payments due to the merchants having control over your account as I rather keep control of my money.
I am pretty big on safeguarding potential compromising and identity theft, while keeping electronic purchases to a minimum amount, limiting them to one card, with a minimum balance, while diversifying to travel abroad and keeping other bank and foreign exchange fees to a minimum.
Here was a situation I encountered once over a bankcard ATM use, as I had this old checking account for 5 years, they had the lowest fees but it was not the best bank around at the time...
As I always keep tabs on my bank statements and ATM receipts on file, upon the next monthly bank statement it showed I made some additional $40 withdraw the following day that I could not simply remember at all, as I vagely remembered making one $40 withdraw the day prior which the bank statement showed, reviewed all my ATM receipts on file and this following day $40 withdrawal slip is unaccounted for, so I went to the bank and spoke with the branch manager....
Branch manager looks at my account activity on a screen and asks me if I ever used my card at any non branch ATM, told her negative and that I only use the ATM card at one of the three branch locations as I don't believe in paying fees using other ATM machines....
Then she tells me the one transaction you are disputing in question shows you had made a withdrawal at this ATM branch machine, I asked her at what time of the night then, she tells me at 738pm....
I told her it was impossible for me to withdraw money on that day and exact time because I was still at work, the prior day I withdrew money around that timeframe as it was my dayoff, which also showed 738pm on the withdrawal....
She walks up to a huge filing cabinet, opens out a door which has a bunch of paper rolls and she grabs two rolls, explains to me each of the paper rolls having every ATM transaction annotated for the entire day with the card numbers that were used, highlights my card transaction listed on the paper roll and finds the other transaction listed on the other paper roll for the following day that was in question....
Then she explains to me when anyone inserts an ATM card in the machine, it prints the card number info on the paper roll, along with the time, date, sequence number, and a random 16 increment 26 digit number as each random digit could be a number 0 thru 9, or a letter A thru F....
Needless to say both 26 digit random sequence numbers for those two ATM transactions happened to be a perfect match, as it was determined by the branch manager the ATM machine had glitched and had a mind of it's own exactly 24 hours after I made a legitimate withdrawal.
At least it proved I did not make that $40 withdrawal afterall, as no ATM card was used because of the matching sequence number from what I was told, manager was on the phone with corporate headquarters to inform them of the situation and I finally got fully refunded for it, this took a 45 minute process to straighten this out.
I asked if this ever happened before, the branch manager hesitated for a couple seconds and told me no, I also asked what safeguards could take place to prevent this in the future, as she had no answer for me.
I am sure the bank has other cross references for checks and balances that could determine right away something isn't balancing out, as I thought hard about what if I did not bring it to their attention or just imagine how many other account holders wouldn't catch their accounts being compromised as the bank would just let nature take it's course and only refund the individuals that bring the error to their attention and verify it.
What I truly believe is someone had altered the ATM somehow and compromised a few account holders as to conceal how the money missing was withdrawn, as the matching 26 digit random number proves no ATM card was used the second time but initiated a illegit ATM transaction to authorize a $40 withdraw.
Within the following week I closed the account after establishing a new checking account.
This is why I started making the habit of limiting a bankcard's use for specific purposes.
Find a way to include fitting in Skagway-Dyea for your Southeast Alaska plans also.
Although as far as SE Alaska is concerned, I had only been to Skagway twice (1994 and 1998), Haines and Juneau in 1994, Skagway is my favorite place in that particular region.
I was not too impressed with Juneau overall but it was a real nice and enjoyable visit for a first time as I spent three days there, however the one place that really impressed me more than anything to my surprise was visiting the Alaska State Museum, I planned on spending maybe 1 hour tops but spent like 3.5 hours looking at all the vintage native pictures, exhibits and artifacts that were on display which totally blew my mind, and I am not really much of a big museum buff.
As long as you have confirmed reservations for the ferry boardings, I wouldn't think you will have any foreseeable problems on your Southeast Alaska tour.
When I visited Prince Rupert in July 2010, the so called private campground near the ferry terminal looked pretty full, as the other campgrounds were located along the outskirts in which the gov't campground 15 miles out of town had one space left available when I checked in at midnight (it was reserved to someone else but they never showed up).
Every rest stop near Prince Rupert and private parking lots within town had no overnight parking signs posted, as it seemed to me they were tight on parking...when I seen a wrecker casing around town at different parking lots I decided to seek a campground spot rather than take a chance to park in some parking lot overnight despite how tired I was, so in other words Prince Rupert can be tight when it comes to overnight parking from what I experienced.
There is a pay parking lot along the Cow Bay district however I am unsure if they have an ordinance for no overnight parking for RV's or not.
With all the ferry traffic and visitors, it seemed to me there are not enough campgrounds or RV parks to fill the demand (at least for mid July timeframe), while strictly enforcing no overnight parking throughout town, but then again that's my perspective as a visitor and unfamiliar with the entire area.
I sure really enjoyed Prince Rupert though, but I decided to fill in on the potential parking perspective just in case anyone would consider making reservations for sites within town.
Maybe others could chime in on overnighting while in Prince Rupert and where-what they recommend.
We do not use chains too often here during the winter in Interior Alaska....
The majority of set ups I have seen for residents living up in the foothills with 4WD - configure them with "chains" on the rear (outside rear with duallys), along with a smaller "cable" assembly installed on one of the front tires for steering traction purposes...
The winter elements here in my area for example in the valleys are much colder temps, compared to the foothills in which 200 feet or higher over the valley tends to be much warmer during the winter, as it is quite common to be driving up a hill climbing 200 to 500 feet higher in elevation where it would be anywhere between 10 to 30 degrees F warmer versus the valley you just driven out of 5 to 10 minutes ago.
When the elements are right, someone would leave a valley at -5 below F with slick roads that are drivable with no chains, and commute home up a foothill as the temps have increased - now hovering around +20 to +30 degrees F with even more slick road surfaces to deal with, as the frozen road surfaces underneath are now trying to thaw and therefore you have warm icy roads equivalent to driving on oil, and that is no fun when you are climbing on a decent grade of a hill without any steering control, which is why either one or both front driving wheels are cabled or chained up at that moment, or if already set up with tire chains a handful of people prefer one cable assembly over one of the front wheels so that they can have steering control, which makes a world of difference.
We just had a major two day storm (15 hours without power for me), with drizzle rain, 70 mph winds and variable warmer winter temps in between making roads havoc, this is one of the times residents living up in the foothills had to chain up in some areas.
Moving average of 100 mph, with only 46 minutes in total stops (real astonishing) which was the 98 mph overall average of the entire 2813 mile length that is real impressive without a disaster or an unscheduled stop or mishap from happening in my opinion.
Even note the 100 mph of moving time average was achieved while stating it took 15 minutes to clear out of Manhattan with snarled traffic, and other factors I am sure they had to encounter slowed them down as well like getting sunblinded and dealing with Los Angeles and other SoCal traffic as shown.
Each and every year also presents more vehicle traffic on the roads as well, compared to the start of it all when the race across America was born, although traffic flow can be luck of the draw.
Anytime you accumulate more increment, and once you slow down on accumulating whatever, it is at least twice as hard to bring any average back up to par, so yeah I would say averaging 100 mph over a 2813 mile distance is bookin' with plenty of factors that can easily slow them down in between.
My first Fairbanks to Los Angeles trip in 1985 had averaged over 53mph (that was total moving travel excluding stops)...remind you within that 3500 mile stretch, it was my first time thru Canada and the Alaska Highway of unfamiliar territory for me as there was over 300 miles of unpaved roads, lots of curves thru the northern rockies, and 200 miles of frost heave stretches and other road construction zones to endure to name a few slowdowns, mountain passes, grades, hills, towns, wildlife crossings, cops on patrol, lots of two lane road with moderate to heavy traffic to name a few other factors....it was a wonder I never gotten a speeding ticket, got into any accident or had a disaster strike.
Once I gotten more familiar with the route 10 more times (one way trips), I managed to increase my mph average into the 54, 55 and 57 mph ranges as I finally achieved past the 60 mph average barrier in the southbound 1991 trip, but my car took a good beating doing so as I averaged 61.107 mph moving time, the last time I would endure driving superfast....a few portions of the far north roads were approved however there was still basically 150 miles of frost heave stretches and still 300 miles of unpaved roads in the same stretches.
The final northbound 1991 trip back home to Alaska I hauled my Mom's household goods in a U-Hault truck and relocated her to live with me, the first time I actually took the time on the open road and started taking pictures along the way.
My 1970 Thunderbird endured those six round trips from Fairbanks Alaska to Los Angeles California and back between 1985 and 1991 (as my Mom drove the T-bird following me in the U-Hault truck northbound in 1991).
I vowed to someday own a camper from that day on, as it took 5 years to achieve that and paid $2051 for my 1970 Ford truck which included an old 1981 rotted out camper shell on it that I made much good use out of it to last an 11 year period before investing in a much better shape modern camper shell that I cherish.
I still have my 1970 T-Bird to this day that I only paid $325 for, owned it over 29 years now with 109,000 miles on the rebuilt engine since 1988 on the 429 (been running straight 100 octane fuel in it since 1990).
I sure appreciated this article too as I was more than impressed in reading it, especially them logging everything in great detail and showing the proof, which is how I roll as I can relate to logging every significant trip in great detail that I taken.
In 1997, I helped my Mom decide on her best situation on when to draw social security....
She told me she would get roughly $100 per month increase if she were to wait until she is 65 (her full retirement age according to the rules) and was stuck on that thought of receiving more money this way....
I grabbed the calculator and told my Mom that she would take a little over $15000 from the government upon the first three years of payments if she were to start at the minimum 62 years of age....
She told me that was not very much money, which I agreed - however what they offered her if she were to wait at age 65 to start drawing, it would take an additional 12 years and one month of payments to make up for the early retirement checks she could have had just to break even....and told her the government is willing to bet you are not going to live 77 years and two months old just to start getting $100 per month ahead in payments versus taking that early retirement you could have decided on 15 years earlier.
She was like, (forget) that, I want to retire now as her body was getting worn out from working all her life, and told her she deserved to retire.
Back in 1997, they encouraged to sign up for social security 120 days prior to your qualifying age of receiving retirement benefits.
Also from what I heard, the government will make adjustments (lower the payout) to your early retirement benefit if you are not contributing payments (currently working) upon reaching before or at retirement age, even though if someone has contributed to a full 35 years + working upon credits prior....so in other words the government wants people currently working in their golden years upon reaching that required age to receive benefits for a better rate - I cannot find a regulation or chart regarding this to confirm that.
Whatever the OP decides on when to start receiving benefits, happy retirement !
Unless the current rules change or social security no longer exists between now and 14 years, I will plan on collecting my social security retirement benefits at age 62 when the year 2027 rolls around.
If RV'ing is still an option in the distant future, I plan to go full time with a monthly social security check to look forward to.
The road into Yellowknife is not fully paved yet. Last 50 miles is loose gravel, dirt and mud.
The stretch of roadway mentioned here was indeed completely paved in August 2008 and had intermittent frost heaves, evidently there is a resurfacing project in the works.
Here are a few pictures of how the stretch of road was then, as they used recycled glass mixed in with the pavement :
Mile 160 NWT 3 highway - 49 miles from Yellowknife :
Mile 170 NWT 3 highway - 39 miles from Yellowknife :
Mile 174 NWT 3 highway - 35 miles from Yellowknife :
Mile 181 NWT 3 highway - 28 miles from Yellowknife :
Mile 190 NWT 3 highway - 19 miles from Yellowknife :
Along the Behchoko area on the way to Yellowknife, as noted upon the community of Edzo having no services of fuel, the community of Rae roughly 9 miles away from Edzo (7 miles from the highway) has a convienient store and fuel available - at least during the time I visited there....along these parts of the Northwest Territories, do not always count on these remote villages to have fuel widely available.
If enroute to Yellowknife thru Alberta and NWT 1 highway, there are a few more fuel stops along the way, compared to the BC 77, NWT 7 and NWT 1 highway routes heading to Yellowknife.
Grimshaw, Manning, High Level in Alberta along the MacKenzie Highway route AB 35 has fuel widely available (first 175 miles), to my knowledge there is little (to count on) or no fuel stops available for the next 175 miles until you reach Enterprise NWT which is a café with a couple gas pumps right at the Hay River junction of NWT 2 highway (25 miles to Hay river)...Hay river had by far the lowest fuel prices in all of the Northwest Territories upon where I travelled, as Yellowknife had the second lowest priced fuel in the NWT region.
If one were to drive direct from Hay River to Yellowknife, the distance would be 300 miles, in which the only two fuel stops in between are Enterprise and at Fort Providence Junction which appears fuel is always widely available there (195 miles from Yellowknife).
Upon my first experience touring the area, I started from topping off fuel at Fort Nelson and headed north on BC 77 Liard Hwy. route, they had a large pow wow event going on near the NWT border (as a large group of people 60 miles away earlier insisted that I must go to their pow wow, so I went), as 30 miles away from the pow wow was Fort Liard and decided to play it safe and take the side road to top off with fuel after witnessing how remote the entire area really is...
Upon pulling into the store at the gas pump, I asked if it was prepay or post pay for gas, as the clerk hesitated and looked at me like he didn't want to sell me fuel, but asked how much fuel I was looking to purchase...told him I was looking at topping off my tank with roughly between 40 to 50 litres total and I have cash on hand, he said ok and go ahead and pump gas.
Did not know the real reason of why the hesitation to sell me fuel other than guessing I was an outsider, or assumed I was going to hoard up a lot of fuel that they might be low on supply, or because of the pow wow event they wanted to make sure there was an adequate supply available for everyone else, but regardless to the reason I was sure grateful of receiving the fuel as it turned to be significant later on.
A couple days later upon arriving in Fort Simpson, which was a larger area compared to Fort Liard with two gas stations that looked like fuel was readily available, I sure found out different when the one gas station-store told me they ran out of fuel yesterday and the next delivery was scheduled to arrive in 2 days, while I rolled in to the other gas station to see a closed sign as they close early on a Saturday (day that I arrived) as there hours of operation along with a closed Sunday and Monday were posted on the doorway.
Since Fort Simpson was the farthest west in the geographical area, closest fuel stations from Fort Simpson were 180 miles and 195 miles away, Fort Liard to the south and Fort Providence Jct to the east.
If it weren't for topping off fuel at Fort Liard, I wouldn't have made it to Fort Providence Jct. on my fuel tanks supply, although I was prepared with 10 gallons of spare fuel onhand, and almost had to use it as I was less than one sixteenth of fuel supply left by the time I made it to Fort Providence Jct.
I always carry spare fuel whenever I go on long distance trips in the far north, you just never know what will happen to an established business if they run out on fuel supply, or close on short notice, or waiting for repair on a broken pump, or electronic transactions for bank or credit cards are down, (that's why you should carry some form of emergency cash) or a number of other reasons and factors that could happen in order to keep from purchasing fuel.
Especially touring in the Northwest Territories, I highly recommend carrying spare fuel for all your travels in the area....it was the only area in the far north in a long time that gave me that "I am in the middle of nowhere feeling".
Last night, at 130am Wed Oct 30.....I went outside in my backyard to plug in my truck and looked up at the sky to see a few nice typical green colored glow in the dark long moving streak...
All of a sudden a third of the sky was covered as the lights turned white with red streaks and were moving around faster than I ever seen in my 31 years in the far north, I mean like moving 100 times faster in comparison of watching water moving around in a toilet while flushing....I seen the northern lights move around fast in my time every now and then, but not like what I witnessed for 4 straight minutes moving over 1000 times faster than previously ever.
The spectacular display seemed like the lights were getting closer and closer towards the surface of the earth it was practically scary, while seeing the ground of my backyard reflecting the light, first time I ever experienced seeing the ground reflecting light from any northern lights display.
No I am not exaggerating, or was hallucinating either.
After the 4 minutes of what I witnessed, the white and red northern lights were completely gone and only displayed a few green glow in the dark color once again in a fishtailing movement mode.
I had not heard any noise from this aurora though, but man - I doubt I would ever witness any northern lights display like this ever again.
Upon starting my vacation in late August, I hit the road at 1000pm and seen a wild streak of northern lights while approaching Tanacross about 30 miles west of Tok that really caught my attention while driving the camper at 200am at that time....By the time I made it to Tok to overnight, the lights were completely gone.
There has been some pretty active aurora in this area here so far this dark season.
As noted, the only "year round RV parks" you're going to encounter between now thru April are pretty much a year round roadhouse or some hotel-motel establishment providing an outdoor electric outlet.
Talbot Arm in Destruction Bay (other than getting windsheared most of the time) would be a nice overnight stop in my opinion for a typical winter drive from Haines in order to get a fresher start taking on the long frost heave stretch on the way to Tok.
I always have liked the staff at the Talbot Arm as I make that place my designated mandatory 15 to 30 minute stretch break from driving in either direction.
Once heading out of Tok along the Tok Cutoff and Glenn Hwy. route towards Palmer, there are hardly any establishments that cater to travelers during the winter as mentioned.
I would like to point out one important factor to be aware of while commuting between Haines Junction and Tok :
Depending on the type of rig one is commuting with (or towing) during the winter months, along with depending how cold the temperature will be upon noting a reduction of 20% to 40% in typical fuel mileage compared to fuel mileage during the summer months, there are currently only two fuel stops in between Haines Junction and Tok right now, which are Destruction Bay-Burwash Area and Beaver Creek.
As of 6 weeks ago, Destruction Bay fuel price at Talbot Arm for regular was at $1.449 per litre, and Beaver Creek fuel price at 1202 Inn was at $1.889 per litre, comparing Whitehorse fuel price across the board was at $1.399 per litre.
Important Note : Border City Lodge has not sold any fuel since Mid August and is under new ownership, as the new owner mentioned to me he was optimistic upon selling fuel once again with a target date of spring 2014......the lodge and café are still operating.
I was told by the new owner that the previous owners left the business a mess as they ran it in the ground, while another source in Canada mentioned to me later on that the oil company that supplied the fuel for the lodge got stiffed by the previous owners and will not do business with the new owners until a significant substantial deposit is met.
While stopping at Border City Lodge in late August, I had two individuals ask me if I had any spare fuel to sell them so they can make it to Tok.
The only other prospect for fuel 40 miles away would be Northway Junction, however you can't always count on them supplying fuel.
Although my old camper rig can make the Tok to Whitehorse stretch 95 percent of the time during the summer months with my dual fuel tanks (unless there is too much rain or moisture and or very low barometric pressure), if I were ever to drive this Tok to Whitehorse stretch during the winter in my camper rig without refueling - there would be no way I could make it without stopping for additional fuel along the way.
Do plan accordingly for fuel supply upon travel between Destruction Bay and Tok.
I driven to Yellowknife in Aug 2008 as I estimate north of the Edzo Bridge (Frank Channel) you will drive thru some intermittent frost heaves the last 50 miles or 80kms or so but is childs play compared to Ingraham Trail route which were baaaaad frost heaves, I only driven to Yellowknife River on that route in my camper it was so bumpy.
Must stops along the way are :
Grimshaw at mile 0 MacKenzie Route if you are into antique vehicles the Antique Truck Museum which has pristine rigs on display...
Do top off fuel at High Level, people there seemed amped up the day I was there but there were 4 establishments that reminded me of Las Vegas.
Stop at the NWT border of course with the Sixtieth Parallel Territorial Park, Alexandria Falls and Twin Falls Territorial Parks are splendid, I also recommend taking the 16mi- 25km side trip from Enterprise Junction to Hay River as I also stayed at Hay River Territorial Park which is nearby along the shore of Great Slave Lake with immediate access.....Hay River has the cheapest fuel in the NWT if you are spendy cautious when it comes to fuel, top off there as well.
I am jealous you will be driving on the new Deh Cho Bridge over MacKenzie River once you are on NWT 3 route on the final stretch towards Yellowknife...
A few miles after the new bridge, if you like fried chicken, stop at the gas station at the Fort Providence Junction as it is real good stuff, (the boat launch is in back of the station-store on the banks of the MacKenzie) the side trip into Fort Providence is a nice setting too seeing the river from a higher ground standpoint.
Not to mention slaloming around the many bison and the buffalo chips along the roadway towards Yellowknife.
A must stop at the shore of North Arm Territorial Park also.
Wish I had the time to make another trip to Yellowknife.
From the Alaska Hwy 97-Cassiar Hwy 37 Junction point A :
To the Cariboo Hwy 97-Yellowhead Hwy 16 Junction at Prince George point B :
The distance factor between point A and point B here the last I knew was a 28 mile distance shorter if the Cassiar Hwy (Hwy 37) was taken, however there is no way you will make time on it compared to the Alaska Hwy route (Hwy 97) to Prince George if that is your destination route.
The Cassiar Hwy is narrow with no shoulder throughout as the northern half is bumpy in parts while the southbound half is smooth as glass, however it is scenic and has hills and a few grades in between with more curves and yes it has its same elements of the far north roads with floods, fires, and bridge work (other far north roads are no different) - as logging trucks are king on the Cassiar route....once you reach Hwy 16 it is good road with wide shoulder as you are back on the modern roads as commuters drive rather fast on it.
The northern rockies south of Liard Hot Springs (mile 477) on the Alaska Highway has some intermittent 6% to 9% grades but nothing compared to the Sierras and is short lived, lots of curves between Liard Hot Springs thru the south end of Steamboat Mountain (around mile 320 or so) as you can make up faster time south of that on the Alaska Hwy and beyond.
I have yet to be stranded ever in the four Septembers I driven thru Summit Lake highest point at 4200 ft. due to potential snowfall that hadn't arrived but it could happen....mid October for that area is the average timeframe to worry about snowfall there unless it is an earlier coldfront that will linger.
Seeing parts of a trucker blog posting, the basic mentality and goal for a trucker is hauling a load from point A to point B the fastest way possible, period.
Unless there is an ocean, a ferry dock, a barge deck, a flagger, or a destination point B at the end of the road, no trucker is going to slow down any while driving on land no matter what the road conditions are other than eating or sleeping in between destinations.
If you want to drive to the states in the fastest way possible, as mentioned stay on the Alaska Highway and go thru Grande Prairie via Alberta Province.
The past two Septembers upon returning home to Interior Alaska from Jasper took me 6 days of travel which was practically a direct route, as compared to commuting southbound along different routes or sidetrips would be a venture of 9 to 12 days for me before reaching Banff and Jasper areas in my old camper rig that I will not abuse or tear up.
Since I only was authorized three weeks vacation the last two Septembers and always behind schedule 2 or 3 days before heading back home northbound, I had only 7 days left before returning to work as I made it back home on time the night before both times.
The 6 days from Jasper to home was pushing it for me although it was roughly 300 miles per day, but that was also dealing with road construction zones, stretches of frost heaved roads in between as I drive between 5mph to 25mph thru those rough intermittent stretches, driving by covering more ground during nightfall as well which I don't care for, as it gets much darker during mid August and September.
In between despite the construction zones and road surfaces in some parts of the Alaska Highway, you have potential pilot escorts to deal with as in Central BC there are a lot of gas well equipment being hauled around by semis as they are gearing up for winter too, as well as in a hurry southbound traffic racing to get away from Alaska as they think wintertime will be the end of the world for them and god knows how fast they driven across the bad surfaces with their trailers in tow, and the colder it gets with snowcapped mountains in those areas you have a potential increase of wildlife roaming around to get away from the hills as these other factors could or would slow a driver down as this is why I do not change my driving habits or speed and pay closer attention to other drivers and road surfaces, I am rather driving much longer to gain ground which all depends on how many times I need to slow down for any of these other factors I mentioned along the way.
Upon leaving Parks Canada from Jasper returning home, in 2011 and 2012 was where my layover spots were :
Day 1 - Jasper to Dawson Creek BC - Grande Prairie AB
Day 2 - Dawson Creek BC or Grande Prairie AB to Fort Nelson BC
Day 3 - Fort Nelson BC to Watson Lake YT - Rancheria YT
Day 4 - Watson Lake YT or Rancheria YT to Sue's place between Whitehorse YT and Haines Junction YT
Day 5 - Sue's place to White River YT (55 miles from the Alaska Border) -260 mile stretch here-
Day 6 - White River YT to home which is 330 miles.
Between Destruction Bay and the Alaska Border is a 140 mile stretch of intermittent frost heave road that is pretty bumpy as this stretch can break components of a vehicle and or trailer should a driver want to make time on, there are a few spots between Whitehorse and Haines Junction that have hardcore bumps too so slow down in these bumpy areas if you want to commute damage free.
Just a note upon driving my rig between Destruction Bay and White River is an 80 mile stretch and takes me between 3:30 and 3:50 to drive thru this stretch and that is non stop driving averaging 20 to 23mph in my old camper rig.
Upon this analysis you can reach Denali Nat'l Park in 7 days from Jasper Nat'l Park upon a 300 mile per day stretch on average while driving "safewise" with all the elements in between, while still enjoying one to three hours per day of stops while on the road prior to overnighting.....If you want to take on the more sights in between during the day, then I would say 300 miles per day is not doable by any means.
I would not worry about making reservations for Denali unless it was Labor Day Weekend, and as suggested you could also opt to make a reservation within one day or two from Denali once you are in Alaska.
If for some reason the Denali campgrounds of choice are full upon your arrival, there are other RV places to camp at that are nearby the National Park so no sweating it there either.
Depending on how many road construction projects and repairs are going on, you can make cruising time upon 85% to 90% of the Alaska Highway which is pretty good road surface.
Hope this perspective helps.
As far as me exchanging US Currency for Canadian Cash thru an American Bank :
I have not done that thru a US bank since 1998, as the only bank in Fairbanks that (still) deals with foreign exchange had given fair competitive rates in the past - close to or matching what a Canadian Bank in Whitehorse or Dawson would offer, as the Canadian Dollar was pretty dismal in value during the 1990's...
In 2006 when I was researching foreign exchange rates posted or quoted over the phone by the bank institutions in Fairbanks and Whitehorse, the banks in Canada were pretty much the same frequency on how they did business as far as general exchange rates were concerned (as you can still buy or sell cash at ANY bank or branch)....
However the same bank in Fairbanks that does the foreign exchange (only their main bank branch located downtown as none of the other branches of the same bank will do any foreign exchange business and will refer you to the main branch) had quoted me a 9 % exchange to buy Canadian Dollars (bank that sells to you), and quoted me I think a 7 % exchange sell rate (selling Canadian Dollars to the bank) which I told the rep that is totally absurd and will take my chances exchanging money in Dawson and hung up, I been exchanging US dollars strictly thru Canadian banks ever since.
In Whitehorse I would only exchange cash thru a bank and not thru a foreign exchange center where their rates would give you a lesser amount, a few times I had ran low on Canadian cash in between my trips as I had paid for a small amount of items at the Whitehorse Walmart with a US $100 bill and got back Canadian change to tie me over til the banks were open the following business day, and another time I hit a couple casino cages in BC to exchange a few dollars to tie me over the weekend which the casino exchange rate and Walmart was better than the rate at a foreign exchange center.
Normally I would exchange enough cash at the bank in Whitehorse to keep $200 to $500 Canadian cash onhand when returning to Alaska for returning trips in Canada to where I would not be constraint over the weekend in Canada waiting for a bank to open, as I sure did not want to spend US cash and having to pay some private business exchange rate which can be double or triple compared to what a bank would exchange.
I found out times had changed in 2010 at least in Whitehorse of that the bank where I normally exchange funds with had a new policy for non account holders by restricting a $1000 limit per day which I was told, so I exchanged currency and got $1000 Canadian, thought I would hit the other banks in Whitehorse as I wanted to exchange $4000 total, however one bank would only exchange $100, and the other remaining banks would not exchange currency with non account holders as they referred me to the bank I exchange currency with or go to an foreign exchange center.
I am one person that refuses to pay for someone elses retirement by avoiding extra bank fees in order to access my money and refuse to give in accepting lower rates of foreign exchange where another place will pay significantly a much better rate, as I tend to rather generously tip and support hard working staff at roadhouses and buying souvenoirs at remote places and such by spending my funds in that direction instead.
I have no credit cards although I do have a Visa debit card but they would charge a foreign transaction fee so I have yet to ever use that.
Following day I exchanged for another $1000 Canadian at the one bank and asked how beneficial would it be for me if I were to open an account in my situation, and the teller told me it would be a great deal of benefit as there would be no limit of exchange amount, no $3.00 non member transaction fee, and perhaps a slightly better exchange rate as well depending what type of account you pursue, she even assured me that there was no inactive fee, which sounded great to me so I told the teller I would love to open an account.
Well the soonest time to open one was two weeks as I was told they had to set up an appointment as all their reps were booked solid, so I made an appointment thinking I was going to return to Whitehorse in 18 days, turned out I had to cancel the appointment because I was two days behind from returning to Whitehorse, so I would try again on my future following trip.
Called the Whitehorse bank to make an appointment before my 2011 trip as they told me they were booked up for that particular day I were to arrive, so I made an appointment on hoping I estimated my day on arriving upon my return enroute back home.
I had exchanged for $2000 Canadian to tie me over for awhile as I happen to arrive in Edmonton and in path of a bank so I stop in to exchange for another $1000 Canadian just to keep one step ahead on Canadian money supply....mentioned to the teller I have an appointment in Whitehorse hoping I will finally open an account once and for all if I can actually make it back on my estimated day as she went out of her way and got a representitive for me and was happy to assist me by opening a new account, only took 45 minutes total...
The man set me up with two accounts actually, a US funds account and a Canadian funds account and let me tell you that I wish american banks would do this sort of thing with foreign exchange.
Foreign Exchange Currency Converter
He also advised me if I want the higher exchange rate, do NOT exchange foreign currency with cash (cash rate) which is why I was set up with the US funds account - that is so you can deposit your US dollars in the US funds account, then TRANSFER your US funds of your desired amount to your Canadian funds account, as you will get the slightly higher (non cash rate) around .004% more vs the cash rate.
It is sooooo nice to transfer funds when it is favorable to do so, as after making three foreign exchange transfers in a one year span by increasing my Canadian dollars reserve, as my Canadian dollars started out at .9702 USD, now I increased my Canadian dollars reserve over twofold, at the rate of .9870 USD now.....if the bank's USD buy rate reaches 1.0186 or higher, I will transfer my remaining US funds balance so that my entire Canadian dollars reserve will reach the $1.00 par rate - (which I finally achieved that goal in June 2013 and transferred my remaining US funds balance to the Canadian funds account while locked in the bank buy rate at $1.0200 CDN per USD).
The foreign exchange bank buy-sell rate here for buying Canadian dollars with US dollars is typically around a 3% vig, but I can live with that as it sure beats other transaction or higher exchange fees I was subjected to in the past.
I think I am allowed one free ATM withdraw per month and it is a $1.50 fee per withdraw if it is exceeded.
I remember in the 1980's when the gas cards were popular travelling thru Canada, however the farther north you were - the small handful of places wouldn't always accept them or credit cards to render payment, it is always a good idea for a foreign visitor in Canada to have some cash onhand, especially in the older days.
The advanced technology available nowadays for electronic transactions has vastly improved plastic card use throughout the far north of Canada compared to the past to where many people dont feel the need to carry much cash.
As pointed out, having onhand some form of cash is the way to go with the electronic glitches that can occur particularly in the far north, as well as a few places that do not accept credit cards like some government campgrounds, commercial laundry and vending machines that are still setup for cash.
I cant understand why US businesses would treat the Canadian dollar like its worthless and will not accept them, even during times when it would be worth more in value over the US dollar, compared to many Canadian businesses still accept the US dollar with open arms, as they charge their own exchange rate percentage for payment.
I like the fact of having a Canadian bank account, sure benefits me thru my travels in Canada.
Things have changed with the central banking system over the years as the electronic system is vastly improved and practically linked to every place of business throughout North America...so in many ways of transactions used today with a debit or credit card, those that use them know how convienient they are as I too use my one and only debit card for mainly fuel purchases (only within the US though).
Since my first time crossing into Canada in 1985 (23 crossings total to date), I always made the habit of converting my US dollars into Canadian dollars in order to minimize the higher exchange rates you were potentially subjected to if you didn't have Canadian dollars onhand, I have yet to ever use a bankcard while in Canada.
The rule of thumb at least thru the early 1990's that I can vouch to was :
Whenever a foreign visitor entered Canada, particularly driving to Alaska you would have to carry sufficient funds (cash on hand) and physically show the customs or immigration officer when requested, (as many remote businesses back then the farther north you were they would not accept bankcards in the past but US dollars in many places were widely accepted as it is still that way today).
Depending where you were if you didn't have Canadian funds onhand, you might be at a place of business that will not accept US Dollars or accept credit or debit cards, or their electronic system might be down in which you would be temporarily stuck by resorting to pay by other means, which ends up being you paying thru other transaction channels you never originally planned for which would be subjected to some form of transaction fee, or conversion fee which are well hidden at times, or resorting to using the US dollar that some business will accept as you will be charged a higher exchange fee, which will easily wipe out any 2% of savings you thought you were going to do.
Bottom line is :
Cash is King - any rare electronic glitch to where a typical bankcard is used will not work whether the system is temporarily down or the database might decide the card is invalid for whatever reason, it is always good to have cash onhand for this reason and be on your way.
Legal tender is the Canadian Dollar in Canada - once you obtain that currency there is no more exchange rate or fee to be subjected to - the Canadian Dollar in Canada will always be worth a dollar within the country.
Being on the Alaska side of crossing into the Yukon with few banks and large businesses in between is more different than say crossing along a more populated southern border area of Canada and the US with a lot more infrastructure of resources to where you might get a better exchange rate for spending a US dollar at a business, however you are still subjected to a higher rate compared what a bank would typically charge to convert.
I too am with the OP on saving a few bucks if possible by not having to pay for some one elses retirement with fees or other form of currency transactions subject to a higher rate as the best way for a visitor entering Canada to minimize conversion and transaction fee costs is just simply go to a Canadian bank and convert your US dollars there (but shop around and compare).
That is why I now have four bank accounts (well 5 if you count the joint account that they structured for me in Canada - identical to the account almcc described), so I can keep as much of my FREE banking while travelling abroad while avoiding any transaction fees (bankcards used in different places subjected to a fee), or transfer fees with easy access to my money (actually avoiding transfer fees) while using a different bank with more branches in greater locations.
Two of my accounts are from different credit unions, one savings and money market which no electronic transactions are used, and the other one is strictly a checking account where the debit card is used (they offered me $5 to open that account on an invite back in 1998 which I accepted) as I keep a minimum amount of what is needed in case someone hacks a server from a business to obtain my card info or if my account ever got hacked they would not obtain much as I have at least that much control.
Neither credit union bankcards have a widerange of unlimited free ATM transactions for me, they are only for a selected range of machines that can be used for free.
The third account is a major bank with nationwide branches thoughout the US, in which I learned back in 2001 that the last time I travelled in the states I almost resorted to doing a wire transfer from my credit union bank which would be a $30 fee (which I was reluctant on wanting to do) as I needed some more cash as I was in a win win situation on a sports wager and needed to obtain some more capital to hedge with an additional wager plus 3 point middle to possibly hit both wagers, but a friend had loaned me the funds instead and I paid him back in 4 hours after the loan and treated the whole family to dinner while celebrating as I paid a $65 tab, believe me I was more satisfied buying dinner for others versus some bank potentially profiting an additional $30 off me.
I found an old post back in March this year that is similar to this subject (how you'd handle money) and the changes I decided to make and adapt to when I stumbled into road blocks for the first time attempting to convert US dollars back in 2010.
The next post will elaborate on this topic even further as it is a copy of what I posted back on March 2013.