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Re: Basketball systems: In Ground or Portable?

airahcaz wrote:
HardKnocker wrote:Years ago I installed a permanent post and backboard.

If I did it again I'd go with the portable setup.


Ok. Excellent feedback. Tell me why please?! :)


Sooner or later all basketball hoops are abandoned. With a portable you just put it to the curb or give it away.
by HardKnocker
Mon Sep 22, 2014 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Basketball systems: In Ground or Portable?
Replies: 16
Views: 902

Re: Trusting our advisor?

You can't trust nobody.
by HardKnocker
Sun Sep 21, 2014 6:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trusting our advisor?
Replies: 25
Views: 2010

Re: Critique my thoughts on Real Estate Investing

I am currently considering investing approximately 30% of my portfolio into real estate. Most would be tangible, specifically duplexes (or some other multifamily residence) or inexpensive (sub $150k) single family homes. I would increase liquidity and diversification with some REIT holdings as well...
by HardKnocker
Sun Sep 21, 2014 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Critique my thoughts on Real Estate Investing
Replies: 17
Views: 1142

Re: Basketball systems: In Ground or Portable?

Years ago I installed a permanent post and backboard.

If I did it again I'd go with the portable setup.
by HardKnocker
Sun Sep 21, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: Basketball systems: In Ground or Portable?
Replies: 16
Views: 902

Re: Investment Property

I can't see how buying a new home for full market value would be a good investment unless the market is superhot or you hold the property for years and years. Otherwise you are stuck. As long as they are still building out the development you will likely not be able to sell it for what you invested....
by HardKnocker
Fri Sep 19, 2014 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Property
Replies: 10
Views: 848

Re: Any FRANCHISE owners here?

Read this in an article recently: Dunkin' Donuts, in most areas, no longer makes the donuts in the stores. They are made in a central facility and shipped to the stores. Getting up at 3AM to make the donuts is in the past. I guess you get up to meet the delivery truck. Dunkin' Donuts is really in th...
by HardKnocker
Tue Sep 16, 2014 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Any FRANCHISE owners here?
Replies: 30
Views: 3315

Re: Talk Me Off The Edge

"C'mon on inside Mr. Betatracker. You have a lot to live for. Just come back inside off that ledge. Think of your family, Mr. Betatracker."

:wink:

Image
by HardKnocker
Tue Sep 16, 2014 7:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Talk Me Off The Edge
Replies: 8
Views: 1722

Re: Do I need to hold my emergency fund in cash?

Just to be the devil's advocate: Suppose an individual has investments and owns a home free and clear - what's to stop that person from establishing a HELOC on the primary residence and using that for emergency funding? In other words, have a zero loan balance until the need arises, borrow from the...
by HardKnocker
Tue Sep 16, 2014 7:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Do I need to hold my emergency fund in cash?
Replies: 29
Views: 3352

Re: Good hobby for a bright/obsessive 9 year old?

Guitar lessons are good if he is inclined to practice on his own too.

Does he practice/play guitar on his own now?
by HardKnocker
Mon Sep 15, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3187

Re: Tiny house movement.

A tiny house on wheels?

It's called a trailer. :oops:

Why not reduce expenses even further and live in a tent?

Image
by HardKnocker
Mon Sep 15, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 60
Views: 4200

Re: College Savings vs Aid: 529s, UTMAs, FAFSA, and all tha

If you get a free ride to a name U. take it.

Why pay full shot somewhere else? :oops:

Junior might be sad? Awww! He's lucky he gets to go period.
by HardKnocker
Mon Sep 15, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: College Savings vs Aid: 529s, UTMAs, FAFSA, and all that
Replies: 47
Views: 2322

Re: Don't even know where to start on this AARP article

AARP is good for hotel discounts but that is about it.
by HardKnocker
Mon Sep 15, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Don't even know where to start on this AARP article
Replies: 38
Views: 5051

Re: Is there a "catch" in this Xfinity offer ?

Rate is only for a year and then it goes way up?
by HardKnocker
Sat Sep 13, 2014 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Is there a "catch" in this Xfinity offer ?
Replies: 23
Views: 1625

Re: Why do so many think their home is a foolproof investmen

Real estate can be a great investment if you buy right. Very poor if you buy wrong. Take it from someone who has done both.
by HardKnocker
Sat Sep 13, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6533

Re: Suggestions /Advice for a fresh college graduate

Charge him rent if he lives home. A somewhat painful amount to make living at home a toss-up between that and moving out. Your son is not unlike many others who don't have a clue as to their life's path. Not unusual. Does he have any particular interests that he is passionate about? He'll need a job...
by HardKnocker
Sat Sep 13, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Suggestions /Advice for a fresh college graduate
Replies: 29
Views: 1597

Re: EJ Gadflies [Edward Jones]

About 6 months ago I was working in my yard and a well dressed young man in his early twenties walked up and handed me his Edward Jones business card. I thanked him politely and said I wasn't interested. He called me several weeks later apparently seeing my last name on a sign greeting visitors (le...
by HardKnocker
Sat Sep 13, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: EJ Gadflies [Edward Jones]
Replies: 64
Views: 6496

Re: The dangerous practice of rebalancing...

I keep all my money in my mattress. As a result I sleep very well. Cash provides a comfortable cushion not unlike memory foam.
by HardKnocker
Sat Sep 13, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: The dangerous practice of rebalancing...
Replies: 191
Views: 14366

Re: Angry when stock market is down

I'm really ticked off over the next crash which hasn't happened yet. Boy, I'm angry. :annoyed

But I feel good about the following bull market (which hasn't happened yet either). :D

:wink:
by HardKnocker
Fri Sep 12, 2014 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4204

Re: How would you handle this situation ?

I'd quit the group.

Image
by HardKnocker
Fri Sep 12, 2014 7:45 am
 
Forum: Personal Consumer Issues
Topic: How would you handle this situation ?
Replies: 33
Views: 2643

Re: Ideas for thanking a doctor

A personal thank you from your gall bladder is always appreciated.
by HardKnocker
Wed Sep 10, 2014 8:03 am
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 5090

Re: Tip for the Roofing Crew

Tipping roofers? No way.
by HardKnocker
Wed Sep 10, 2014 7:46 am
 
Forum: Personal Consumer Issues
Topic: Tip for the Roofing Crew
Replies: 13
Views: 1313

Re: ow Does Paying Off a Mortgage Affect Your Credit Score

Banks love to loan money to people who don't need it.
by HardKnocker
Wed Sep 10, 2014 7:41 am
 
Forum: Personal Finance (Not Investing)
Topic: ow Does Paying Off a Mortgage Affect Your Credit Score
Replies: 16
Views: 1558

Re: How much value can an advisor add for the average invest

meowcat wrote:If you searched and searched and couldn't find anyone that would wash your car for less than $5,000 wouldn't you just learn how to do it yourself?


Some people would just drive around in a dirty car. :wink:
by HardKnocker
Wed Sep 10, 2014 7:34 am
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 4994

Re: How much value can an advisor add for the average invest

Some people are not capable of self-management and can truly benefit from professional guidance.

Not everyone is capable. Know thyself.
by HardKnocker
Wed Sep 10, 2014 7:32 am
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 4994

Re: "Why 97% of People Don't Use 529 College Savings Plans."

I myself am anticipating a major shakeup in higher education that cuts costs. At some point it makes more sense to give your children a duplex that they can live in and get a sinecure from than pay for $300,000-$400,000 worth of college. Indeed. I sent my kid to public U. and then made Roth IRA con...
by HardKnocker
Wed Sep 10, 2014 7:25 am
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10775

Re: Colleague being fleeced by insurance agent / Ponzi Schem

Fortunes are made by salespeople with clients like these.

Ah, the good life.

:wink:

Talent in one area does not equate to talent in other areas. Most doctors won't agree with this as they often think they are god-like.
by HardKnocker
Tue Sep 09, 2014 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Colleague being fleeced by insurance agent / Ponzi Scheme?
Replies: 54
Views: 5385

Re: Less than 30% of active fund managers beat their benchma

100% of index funds did not beat their benchmark.

Fees matter.

:wink:
by HardKnocker
Tue Sep 09, 2014 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: Less than 30% of active fund managers beat their benchmarks
Replies: 18
Views: 905

Re: pimco total return

Those expenses are outrageous.
by HardKnocker
Tue Sep 09, 2014 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: pimco total return
Replies: 7
Views: 544

Re: Lawnmower/gas issues

Gasoline starts to gel in about 2 months. Don't store gas for long periods.
by HardKnocker
Fri Sep 05, 2014 6:03 pm
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2138

Re: Lawnmower/gas issues

Those Briggs and Stratton engines are junk. I had the exact same problem with a Toro mower. I replaced the engine with one from Harbor Freight which runs beautifully. Unless you are able to do this yourself I'd buy a new mower. The new Toro mowers are fitted with Kohler engines. Guess why? BS engin...
by HardKnocker
Fri Sep 05, 2014 6:01 pm
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2138

Re: Lawnmower/gas issues

Those Briggs and Stratton engines are junk. I had the exact same problem with a Toro mower. I replaced the engine with one from Harbor Freight which runs beautifully. Unless you are able to do this yourself I'd buy a new mower. The new Toro mowers are fitted with Kohler engines. Guess why? BS engin...
by HardKnocker
Fri Sep 05, 2014 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2138

Re: Lawnmower/gas issues

Those Briggs and Stratton engines are junk. I had the exact same problem with a Toro mower. I replaced the engine with one from Harbor Freight which runs beautifully. Unless you are able to do this yourself I'd buy a new mower. The new Toro mowers are fitted with Kohler engines. Guess why? BS engine...
by HardKnocker
Fri Sep 05, 2014 7:05 am
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2138

Re: Why do we tip restaurant servers?

Why is 20% now considered a normal tip?

15% used to be the norm.
by HardKnocker
Fri Aug 22, 2014 6:10 pm
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2314

Re: Do you hold cash/money market outside of your emergency

Cash is cash wherever it is.

I don't have a special drawer I keep my emergency fund in.
by HardKnocker
Thu Aug 14, 2014 8:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you hold cash/money market outside of your emergency fund
Replies: 31
Views: 2074

Re: 2014 TaxACT online (fed+state), $13.99 'til Aug 31.

TaxAct is a good program but I don't feel comfortable putting all my tax info onto some company's server. I'll pay an extra $5 and download the program to my own computer.

A recent thread about giving out financial info to financial companies would have fun with this.
by HardKnocker
Tue Aug 12, 2014 9:53 pm
 
Forum: Personal Consumer Issues
Topic: 2014 TaxACT online (fed+state), $13.99 'til Aug 31.
Replies: 6
Views: 736

Re: Where do you buy clothes?

Kohls
Target
WalMart
by HardKnocker
Tue Aug 12, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9482

Re: Your Favorite charity organization...? please

Charity begins at home.
by HardKnocker
Tue Aug 12, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4594

Re: Public not saving for retirement

"The poor will always be with you..." -- Jesus
by HardKnocker
Fri Aug 08, 2014 8:55 am
 
Forum: Investing - Theory, News & General
Topic: Public not saving for retirement
Replies: 24
Views: 3651

Re: Attitudes toward inheritances.

Love of money is the root of all evil.

If you want to see the bad in people there you go.

This is why you should keep your wealth under wraps.
by HardKnocker
Tue Aug 05, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 113
Views: 11193

Re: Parents bought whole life — what next?

That policy must be set up for minimum premium or perhaps was just a rounded number that was "digestible" to your parents.
by HardKnocker
Thu Jul 31, 2014 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Parents bought universal life — what next?
Replies: 11
Views: 1649

Re: Wise to split $$ between Vanguard and advisor?

Why do they not want to use hourly advisor? ps: at 1.6%, for $5m, they can hire a full time advisor probably :) Ha! For $80,000 a year, I'll work for full-time. Just show me where to sign up. :) For $80k I would expect additional services like landscaping, pool maintenance, and chauffeur as needed....
by HardKnocker
Tue Jul 29, 2014 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wise to split $$ between Vanguard and advisor?
Replies: 38
Views: 2391

Re: A third of Americans delinquent on debt, study says

Everybody wants to live better than they make.
by HardKnocker
Tue Jul 29, 2014 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: A third of Americans delinquent on debt, study says
Replies: 23
Views: 2337

Re: Goodbye and Good Luck!

Happy travels.

:beer
by HardKnocker
Tue Jul 29, 2014 6:06 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Goodbye and Good Luck!
Replies: 12
Views: 2707

Re: Should I become a CFP?

I would stick with your current occupation.

Being a CFP is in most case a sales job. You sell financial products in most cases or get paid by assets under management by charging a fee%.
by HardKnocker
Tue Jul 29, 2014 8:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I become a CFP?
Replies: 27
Views: 3649

Re: Taking out mortgage with zero down. Smart or no?

No, No, NO! My wife and I bought a house 9 years ago with no money down. We thought prices will never go down and only keep going up so we better buy now even though we have to finance 100%. Well the bottom dropped out and we are still underwater. You can tell yourself this will not happen to you b...
by HardKnocker
Mon Jul 28, 2014 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking out mortgage with zero down. Smart or no?
Replies: 64
Views: 3349

Re: Taking out mortgage with zero down. Smart or no?

As long as you are not overpaying and can afford the payment I see no reason not to go zero down if you have to.
by HardKnocker
Mon Jul 28, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking out mortgage with zero down. Smart or no?
Replies: 64
Views: 3349

Re: POLL: My home is worth less/more in 2014 than in 2007?

Home is worth 40+% less than before crash but still 40% more than when I bought it.
by HardKnocker
Mon Jul 28, 2014 7:23 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5972
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