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Re: Intimidated by Investment Advisor

If he looks like this guy...run!

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by HardKnocker
Mon Jul 21, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intimidated by Trustee and Investment Advisor
Replies: 23
Views: 2543

Re: Ways to lose money and destroy personal wealth by invest

gvsucavie03 wrote:Assume the current bull market will continue forever.


Of course it will! :beer
by HardKnocker
Sun Jul 20, 2014 5:43 pm
 
Forum: Investing - Theory, News & General
Topic: Ways to lose money and destroy personal wealth by investing
Replies: 81
Views: 9133

Re: Momentum Investing ?

Bogleheads: It is informative to read this 2007 article praising (FUNDX) that was very successful using Momentum Investing: Playing Momentum With Mutual Funds This is the current Morningstar category performance of FUNDX: 1-year = Bottom 13% 3-years = Bottom 13% 5-years = Bottom 12% 10-years = Bott...
by HardKnocker
Sun Jul 20, 2014 3:46 pm
 
Forum: Investing - Theory, News & General
Topic: Momentum Investing ?
Replies: 19
Views: 1758

Re: What Book Are You Currently Reading? Part V

https://images.duckduckgo.com/iu/?u=http%3A%2F%2Fsonsofcorax.files.wordpress.com%2F2013%2F12%2Fa-darkling-sea.jpg&f=1 http://www.npr.org/2014/01/28/264525600/conflict-and-colonization-under-alien-ice-in-a-darkling-sea "A Darkling Sea, James Cambias' first novel, is the perfect action romp ...
by HardKnocker
Sat Jul 19, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3098
Views: 991587

Re: How much energy does water heater use when I'm not home?

Most water heaters have a vacation setting on their thermostat. Use that. Or just run the thermostat down to low.

I would not turn off the circuit breaker.
by HardKnocker
Sat Jul 19, 2014 7:49 am
 
Forum: Personal Consumer Issues
Topic: How much energy does water heater use when I'm not home?
Replies: 32
Views: 2663

Re: Professor looking for investment advice

I'd skip the high expense international funds and just go with the S&P 500 Index fund with VALIC. I'd skip all the mid/small cap "slice the pizza a hundred ways" funds etc. Not necessary. You need some bonds in there somewhere so I'd use my Roth IRAs for bonds using Vanguard Total Bond...
by HardKnocker
Sat Jul 19, 2014 7:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Professor looking for investment advice
Replies: 16
Views: 1606

Re: NPR: Net Price Of Private Non-Profit College

You know the solution to this right? Go to Lafayette for undergrad - get the cash and a good education. Save your money for grad school at Stanford or Harvard or one of the other really good graduate schools. Only works if you want to go to grad school.:) And of course if you kid gets into Lafayett...
by HardKnocker
Mon Jul 14, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: NPR: Net Price Of Private Non-Profit College
Replies: 36
Views: 3177

Re: Bet it ALL on Small Cap Value when you're young

nisiprius wrote:
Am I off-topic yet?


Ka-ching! :beer
by HardKnocker
Mon Jul 14, 2014 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: Bet it ALL on Small Cap Value when you're young
Replies: 64
Views: 6070

Re: How much do you spend on your hobby annually?

I suggest cheap hobbies.

Some hobbies just drain your pocket. So pick a cheap hobby.
by HardKnocker
Mon Jul 14, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 6883

Re: Anyone here flip houses?

I flip my lid occasionally. :beer

Seriously, I don't see how you could do this without getting your hands dirty.
by HardKnocker
Mon Jul 14, 2014 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here flip houses?
Replies: 39
Views: 4261

Re: Oil Change due: Synthetic vs Regular Oil

1210, I suspect from the oil requirement stated in the owner's manual (and your lack of reply to the make, model, and year of car) that you do not have a high-performance (e.g., turbo) engine in the car. Those engines most always require a pure synthetic oil. What do you own? Sorry about make/model...
by HardKnocker
Mon Jul 14, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Oil Change due: Synthetic vs Regular Oil
Replies: 33
Views: 2723

Re: POLL: Walmart vs Amazon

If I had to pick just one it would be Walmart as the store is only about 1 mile from my home.

Buying toilet paper when you need it is critical.
by HardKnocker
Mon Jul 14, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 7943

Re: Tiny House Movement

For arid climates...

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by HardKnocker
Wed Jul 09, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 15676

Re: List of Worst financial advice (what not to do):

"Don't just stand there...do something!"

:happy
by HardKnocker
Wed Jul 09, 2014 7:49 am
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 122
Views: 13047

Re: Asset bubble?

You mean the fed has been juicing the money supply? :shock:

Astounding!

:wink:
by HardKnocker
Tue Jul 08, 2014 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: Asset bubble?
Replies: 8
Views: 929

Re: When do you "limit" saving and start to spend more?

What do you want to buy?

Can you afford it?

If the answer is yes, buy it.
by HardKnocker
Tue Jul 08, 2014 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you "limit" saving and start to spend more?
Replies: 39
Views: 3838

Re: stocks about to plunge

The markets have been "about to plunge" since the first day I invested in my first stock mutual fund on July 16, 1984. That was almost 30 years ago. Good thing I did not listen to the "experts" and the "forecasters." I would never have invested. And it has plunged like...
by HardKnocker
Tue Jul 08, 2014 10:59 am
 
Forum: Investing - Theory, News & General
Topic: stocks about to plunge
Replies: 39
Views: 7655

Re: Buying a Home in a Low-Interest Environment-The Hidden R

My own experience suggests that when interest rates rise, real estate sales stagnate but do not necessarily result in price drops. Rather than playing the waiting game and looking for the "perfect" time to buy, it may be wiser to examine your reasons for wanting to buy a house. If the reas...
by HardKnocker
Tue Jul 08, 2014 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home in a Low-Interest Environment-The Hidden Risk
Replies: 18
Views: 1725

Re: stocks about to plunge

All the same it is a good idea to mentally prepare yourself for such an event so that you can have a rational plan and avoid rash moves.

There can be no doubt a correction will occur someday.
by HardKnocker
Tue Jul 08, 2014 8:51 am
 
Forum: Investing - Theory, News & General
Topic: stocks about to plunge
Replies: 39
Views: 7655

Re: Animal battle Round 7: Raccoon pooping near house

Get rid of small animals with Hav-a-hart traps.

Take them a few miles away and release them.
by HardKnocker
Tue Jul 08, 2014 8:07 am
 
Forum: Personal Consumer Issues
Topic: Animal battle Round 7: Raccoon pooping near house
Replies: 39
Views: 3145

Re: Car did not start: To dispose? How?

Batteries are good for about 4 years or so. You could have your local mechanic come over and check it out and replace it if necessary. Probably $150 all said and done. Not many miles on the car for a 1997. Unless you hate the car, get it fixed. If you want a new car the easiest might be to trade thi...
by HardKnocker
Tue Jul 08, 2014 8:03 am
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5459

Re: What Book Are You Currently Reading? Part V

"Kevin Roose's Young Money follows a group of new college graduates trying to make it on Wall Street in the era after the 2008 financial crash." https://images.duckduckgo.com/iu/?u=http%3A%2F%2Ffortunefeatures.files.wordpress.com%2F2014%2F02%2Fkevin-roose-young-money-book-cover-620xa.jpg&...
by HardKnocker
Thu Jul 03, 2014 7:11 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3098
Views: 991587

Re: If you wouldn't buy (stocks), then you must sell

Too much thinking.

Decide your allocation and stick with it. Simple.
by HardKnocker
Thu Jul 03, 2014 7:00 am
 
Forum: Investing - Theory, News & General
Topic: If you wouldn't buy (stocks), then you must sell
Replies: 32
Views: 2998

Re: Transplant hard drive from old to a new laptop?

I doubt it would fit.
by HardKnocker
Tue Jul 01, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Transplant hard drive from old to a new laptop?
Replies: 16
Views: 667

Re: Should I go back?

No way should you go back.
by HardKnocker
Tue Jul 01, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I go back?
Replies: 32
Views: 3146

Re: Hit our number, should we change our asset allocation?

Sometimes it doesn't pay to try to be too smart or overthink.

Thus the often stated "age-in-bonds" asset allocation.

Take the indecision out of your minds and go with this "rule".
by HardKnocker
Mon Jun 30, 2014 8:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hit our number, should we change our asset allocation?
Replies: 34
Views: 2735

Re: Bernstein: Don’t Bother With International Bonds

Bernstein opinion makes total sense to me.
by HardKnocker
Mon Jun 30, 2014 7:42 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 8962

Re: The Millionaire Next Door: Are You One?

It's not necessary to flog yourself as a symbol of your devotion to accumulating wealth.
by HardKnocker
Mon Jun 30, 2014 7:32 am
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22109

Re: The Millionaire Next Door: Are You One?

Dopey wrote:Hope to be. My retirement accounts alone should be there by age 43.

And I won't drive my kids in my vehicle for safety reasons, so I've got that part covered.... :?


Please explain. :confused
by HardKnocker
Sun Jun 29, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22109

Re: Who do you talk with about your financial goals?

When you talk to other people about your finances you often either end up feeling worse or they end up feeling worse.
by HardKnocker
Sun Jun 29, 2014 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9018

Re: Timeline for buying a house + Q about central Jersey

Here is a documentary about the endless debate on where the "dividing line" is in NJ: :oops: video clip: http://www.youtube.com/watch?v=1T1sVgUP3cE http://www.newjerseythemovie.com/New_Jersey_The_Movie/Home.html https://upload.wikimedia.org/wikipedia/commons/thumb/8/8b/NJTM_Poster.jpg/220p...
by HardKnocker
Sun Jun 29, 2014 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Timeline for buying a house + Q about central Jersey
Replies: 28
Views: 2393

Re: First-time home buyer in New Jersey (Mercer, Somerset)

Ron wrote:
HardKnocker wrote:Everything is expensive in NJ except gasoline.

And you don't have to pump your own :mrgreen: ...

- Ron


:sharebeer
by HardKnocker
Sat Jun 28, 2014 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Timeline for buying a house + Q about central Jersey
Replies: 28
Views: 2393

Re: Suze Orman or Dave Ramsey?

I'd go with Elvis.

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by HardKnocker
Sat Jun 28, 2014 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Suze Orman or Dave Ramsey?
Replies: 85
Views: 16277

Re: Timeline for buying a house + Q about central Jersey

Thanks very much, everyone, for your advice! Yes, NJ is unfortunately not the cheapest place to buy (and the housing stock isn't great), but we do like the area a lot and we'll be there for at least 6 years. (HardKnocker, we're buying a slightly more expensive house - 600-700k, depending on what we...
by HardKnocker
Fri Jun 27, 2014 7:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Timeline for buying a house + Q about central Jersey
Replies: 28
Views: 2393

Re: Modeling the Worst Case for Stocks

Buy gold!!!

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by HardKnocker
Fri Jun 27, 2014 7:39 am
 
Forum: Investing - Theory, News & General
Topic: Modeling the Worst Case for Stocks
Replies: 41
Views: 3060

Re: Modeling the Worst Case for Stocks

The worst case is china invades the US, razes the country and our stock market goes to 0. You will not find that case in your 1929-2013 data. You can decide what the probability of something like that happening over the next 60 years is. No, the worst case is alien invasion from outer space. The al...
by HardKnocker
Thu Jun 26, 2014 7:08 am
 
Forum: Investing - Theory, News & General
Topic: Modeling the Worst Case for Stocks
Replies: 41
Views: 3060

Re: The Conversion of Bill Gross

Gross is human and subject to human frailties.

On the whole he has been a winner.
by HardKnocker
Wed Jun 25, 2014 7:50 am
 
Forum: Investing - Theory, News & General
Topic: The Conversion of Bill Gross
Replies: 22
Views: 2759

Re: First-time home buyer in New Jersey (Mercer, Somerset)

Thanks very much for your advice. I agree that PA would make a lot of financial sense, but it isn't feasible for our jobs. Cheese_breath, we don't own a house in California, but property taxes here are a fraction of what they are in New Jersey. I think we're looking at approx. $15,000 per year for ...
by HardKnocker
Wed Jun 25, 2014 7:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Timeline for buying a house + Q about central Jersey
Replies: 28
Views: 2393

Re: Why buy a car with cash?

I just bought a new car yesterday for cash, intending to buy for cash all the way. The deal had been made under the invoice price already. This brand offers no price offsets for paying cash so it made no difference in the price. 0% for 3 years was offered after making the deal and I considered it, e...
by HardKnocker
Tue Jun 24, 2014 7:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Why buy a car with cash?
Replies: 83
Views: 6070

Re: Anyone regret paying off mortgage early?

The comment that I'm most intrigued by in this thread is from 2 pages (and 2 years) back, where someone suggested a paid-off-mortgage be factored into a Boglehead asset allocation, as a conservative component of the portfolio. I don't know why it had never occurred to me to think of it this way, bu...
by HardKnocker
Mon Jun 23, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 185
Views: 24801

Re: Anyone regret paying off mortgage early?

I've never regretted paying off the home mortgage early.

I'm not a believer in carrying debt so that I can invest in the stock market, even if the numbers tell me it is the "smart" thing to do.

I'm not very smart.
by HardKnocker
Mon Jun 23, 2014 7:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 185
Views: 24801

Re: Dave Ramsey - no small cap value

Don't take his advice about investing.
by HardKnocker
Sat Jun 21, 2014 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - no small cap value
Replies: 22
Views: 2510

Re: flipping real estate infomercial work?

People like Russ Whitney have no moral fiber at all. They are complete sociopaths.
by HardKnocker
Sat Jun 21, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: flipping real estate infomercial work?
Replies: 20
Views: 1578

Re: If I am young, why not invest in a risky fund?

"If I am young, why not invest in a risky fund?"

It's not necessary. Why take big risks if it is not needed?
by HardKnocker
Fri Jun 20, 2014 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: If I am young, why not invest in a risky fund?
Replies: 45
Views: 3145

Re: Calling all Cyclists... [help getting into cycling]

Cycling is very good. Riding on public roads in traffic is very dangerous however. Walking is not as exciting but safer. There is very little evidence for these statements. This is not the place to hash out the figures, but it's also not the place for the displays of rank bias. Do you feel walking ...
by HardKnocker
Fri Jun 20, 2014 8:16 am
 
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 5090

Re: Warren Buffett 90/10 Portfolio

If you have a few billion you can afford to lose 50% when the stock market crashes (and it will). You still have plenty and can ride out the storm.

I think Mrs. Buffet can handle the risk.

Your average Joe can't risk such a loss.
by HardKnocker
Fri Jun 20, 2014 8:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Warren Buffett 90/10 Portfolio
Replies: 7
Views: 936

Re: flipping real estate infomercial work?

Those guys have been around since the late 70s/80s real estate boom. There were a whole bunch of these hucksters on TV then. The techniques they describe only work if you can find someone dumb enough to use them on. No attorney worth 2 cents would let their client get suckered into anything they rec...
by HardKnocker
Fri Jun 20, 2014 7:55 am
 
Forum: Personal Finance (Not Investing)
Topic: flipping real estate infomercial work?
Replies: 20
Views: 1578

Re: Calling all Cyclists... [help getting into cycling]

Cycling is very good. Riding on public roads in traffic is very dangerous however. I recently took a long ride in my area and just too much traffic. I feared for my life at times. A family friend was run over while in a group of cyclists. The driver wasn't paying attention and ran off the shoulder o...
by HardKnocker
Thu Jun 19, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 5090
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