Search found 2007 matches

Return to advanced search

Re: Been invited to wedding in Disney World. My cost?

Send him $(Fill in amount to your preference) and skip the wedding.

Everyone will be drunk and won't even know who attended.
by HardKnocker
Mon Apr 27, 2015 6:51 am
 
Forum: Personal Consumer Issues
Topic: Been invited to wedding in Disney World. My cost?
Replies: 46
Views: 3699

Re: Will you buy an Apple Watch?

"Will you buy an Apple Watch?"

No, I don't have a cellphone either.

I have a watch already but rarely wear it.

If I need the time I ask someone and they look at their cellphone and tell me.
by HardKnocker
Sun Apr 26, 2015 11:41 am
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 377
Views: 23469

Re: Cost to replace a side view mirror

This just happened to a relative of mine.

$500 for a body shop repair to Ford Fiesta.

Yikes!
by HardKnocker
Sun Apr 26, 2015 11:37 am
 
Forum: Personal Consumer Issues
Topic: Cost to replace a side view mirror
Replies: 21
Views: 1041

Re: any experiences negotiating fences with neighbors?

I don't get this whole thing about fences. If the fence is on your property, you make the decisions and pay for it. If the fence is on your neighbors property, he makes the decisions and pays for it. Why would you pay for a fence on someone else's property and vice-versa? Shouldn't fences be built w...
by HardKnocker
Sat Apr 25, 2015 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: any experiences negotiating fences with neighbors?
Replies: 27
Views: 2320

Re: What Movie Have You Recently Watched?

I enjoyed The Imitation Games, but found it interesting that it was billed as film about the advent of the computer age, when actually to me, it seemed to be more a statement about living in the shadows due to ones' sexual orientation. BFG Just watched it. A very good movie. The blurb across the sc...
by HardKnocker
Sat Apr 25, 2015 1:37 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 777
Views: 104761

Re: 1/3 of those SAVING for retirement have less than $1000

Fixed:

"1/3 of those not SAVING for retirement have less than $1000"
by HardKnocker
Fri Apr 24, 2015 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: [How do I lead a discussion about saving for retirement?]
Replies: 31
Views: 2629

Re: What is too long to stay the course?

The Captain of the Titanic stayed on course too long. :happy I will simply repeat that "stay the course" is a horse racing not a maritime term :happy https://www.bogleheads.org/forum/viewtopic.php?f=10&t=130693#p1924995 It's rumored Nelson said this at Trafalgar: "Stay the course...
by HardKnocker
Fri Apr 24, 2015 8:12 am
 
Forum: Investing - Theory, News & General
Topic: What is too long to stay the course?
Replies: 50
Views: 3301

Re: 2 million dollar mistake meeting with MIL's financial gu

The letters "CLU" after an advisor's name are a red flag.

Run! Run as far and as fast as you can!
by HardKnocker
Fri Apr 24, 2015 6:56 am
 
Forum: Personal Finance (Not Investing)
Topic: 2 million dollar mistake meeting with MIL's financial guy
Replies: 23
Views: 4941

Re: Real Estate Investing Concept

Have read a wealth of information on real estate investing, but not much that is particular to my situation. Thought I might ask here. Assume you're earning a high income, and maxing out all retirement vehicles each year, plus a lot in taxable accounts, with no debt. Wise idea to max out my persona...
by HardKnocker
Fri Apr 24, 2015 6:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Real Estate Investing Concept
Replies: 7
Views: 602

Re: What is too long to stay the course?

The Captain of the Titanic stayed on course too long.

Image
by HardKnocker
Fri Apr 24, 2015 6:53 am
 
Forum: Investing - Theory, News & General
Topic: What is too long to stay the course?
Replies: 50
Views: 3301

Re: How much do you pay in Property Taxes?

Real estate taxes in NJ are high but there are lots of potholes to fill. Fixing all those potholes is expensive!

And paying all the bribes and payola. That's not cheap.
by HardKnocker
Thu Apr 23, 2015 8:16 am
 
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 184
Views: 9225

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

These books make for good reading.

After reading please deposit in nearest recycling container. If a recycling container is not available place in trash.

Please don't litter.
by HardKnocker
Thu Apr 23, 2015 7:57 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 232
Views: 23461

Re: Blacktop Driveway Sealing

It depends on how big the driveway is. How big is the driveway? My driveway is about 15 feet wide by 40 feet. I do mine myself and use about four 5 gallon containers of good quality sealer from Home Depot. The sealer is about $30 a container. I buy a bottle of crack filler for about $8. So it costs ...
by HardKnocker
Thu Apr 23, 2015 7:27 am
 
Forum: Personal Consumer Issues
Topic: Blacktop Driveway Sealing
Replies: 20
Views: 1515

Re: $6 billion of 401(k) loan defaults each year

There can be good reasons to borrow from a 401k but generally it is a poor financial decision.

Using 401k funds or home equity to finance consumer purchases is very bad. I have acquaintances who have done this repeatedly.
by HardKnocker
Wed Apr 22, 2015 6:42 am
 
Forum: Personal Finance (Not Investing)
Topic: $6 billion of 401(k) loan defaults each year
Replies: 9
Views: 1656

Re: New Furnace & A/C Unit

The new units can be tremendously more efficient than the older units. Of course it depends on what the efficiency of your current units are. Still, it will be quite awhile before you get your "payback" on a new installation. From a money standpoint it rarely makes sense to replace if the ...
by HardKnocker
Wed Apr 22, 2015 6:32 am
 
Forum: Personal Consumer Issues
Topic: New Furnace & A/C Unit
Replies: 37
Views: 3721

Re: Potential new home is well-priced, but...

I'd think twice before buying this home.

You have to be all in. If you can't afford the upkeep to maintain the home then you will indeed lose the "vibe' the home has.

Buying the home is just the first step. Maintaining the home over the long haul is another.
by HardKnocker
Wed Apr 22, 2015 6:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Potential new home is well-priced, but...
Replies: 31
Views: 2749

Re: Newly Married - Both 28 - NYC residents - How are we doi

53% of our cash earns 2.5% interest in our credit union checking accounts If not a problem, can you say which credit union you are using? I'm piqued by the 2.5% interest rate as my emergency fund is currently earning nothing with BoA savings. I'm in NYC area as well. Using NEFCU - Nassau Educators ...
by HardKnocker
Mon Apr 20, 2015 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newly Married - Both 28 - NYC residents - How are we doing?
Replies: 26
Views: 2643

Re: Need advice for buying a blu ray player

I recently bought a Fuji Blu-Ray player at WalMart for $35.

It works well.

I have a refurbished PC connected to my TV too so I can access the web.

The refurb PC was about $100.
by HardKnocker
Mon Apr 20, 2015 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Need advice for buying a blu ray player
Replies: 15
Views: 828

Re: Paying for GFs school - any way to help myself?

Why are you doing this? I second this motion. Third. Wife, even fiancee is one thing. Girlfriend is another. It's your money and you can do what you want, just be smart about it. 4x Its your relationship and not sure how long you have been with her, but make sure she doesn't dump you the day she gr...
by HardKnocker
Mon Apr 20, 2015 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4657

Re: Stocks are on sale, should I buy?

I will rely on the old standby of 15 times earnings as an approximate measure of a fairly priced market. The dollar-cost-average investor, which most Bogelheads are, would not be concerned with this. Those who would advise a lump sum investment of 100% of their funds to the Total Stock Market Index ...
by HardKnocker
Mon Apr 20, 2015 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Stocks are on sale, should I buy?
Replies: 54
Views: 5849

Re: Stocks are on sale, should I buy?

The market is overpriced at this time. Not on sale. Of course it can still go higher. The market is priced at exactly the value that those with capital believe it is worth. This is the mantra to remind yourself. It is not overpriced or underpriced. Can liquidity, earnings or other economic changes ...
by HardKnocker
Mon Apr 20, 2015 8:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Stocks are on sale, should I buy?
Replies: 54
Views: 5849

Re: Stocks are on sale, should I buy?

The market is overpriced at this time.

Not on sale.

Of course it can still go higher.
by HardKnocker
Sun Apr 19, 2015 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Stocks are on sale, should I buy?
Replies: 54
Views: 5849

Re: Kitchen upgrade - granite selection help

I don't know if anyone mentioned this but some granite countertops are quite radioactive.

You might want to check out selection if you can.
by HardKnocker
Mon Apr 13, 2015 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen upgrade - granite selection help
Replies: 52
Views: 4311

Re: Neighbor hired a surveyor. Should I be nervous?

Most people get a new survey when they buy the house. Perhaps when that survey was done, the surveyor didn't put in boundary stakes. They sometimes charge more to put in stakes. He may have called the surveyor back to just clear up where his property line is and find out who owns the fence. It alway...
by HardKnocker
Mon Apr 13, 2015 8:18 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 49
Views: 6216

Re: Neighbor hired a surveyor. Should I be nervous?

The other day, I saw a surveyor working in my neighbor's yard before I left for work. When I got home, I saw that the surveyor had hammered in wooden stakes into what I had thought was my yard. The stakes have written "property line" on them. There is a wooden fence separating my neighbor...
by HardKnocker
Mon Apr 13, 2015 7:55 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 49
Views: 6216

Re: Price for new furnance & AC unit

I think Goodman makes a good unit. A Lennox is not 2x as good as a Goodman. That is a ridiculous statement. I couldn't buy a Goodman unit myself to have it installed. And when I priced it out with an installer it was the same price as a major brand unit. You can find bad reviews about any furnaces o...
by HardKnocker
Mon Apr 13, 2015 7:10 pm
 
Forum: Personal Consumer Issues
Topic: Price for new furnance & AC unit
Replies: 21
Views: 1401

Re: Unsolicited offers to buy your house

I'm wondering if unsolicited offers to buy your house have become pervasive nationwide in the US. In my small sample of mostly western US cities, several people I've talked to are also getting a fair number of these "I will buy your home as-is" letters in the mail. The letters I've receiv...
by HardKnocker
Sun Apr 12, 2015 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Unsolicited offers to buy your house
Replies: 14
Views: 2025

Re: What is Sammy Savers net worth?

Zero. Sammy came home early from golf on Sunday and found wife Sandy in bed with his brother Steve. Sammy was heart broken because he and Sandy had been childhood sweethearts and married after high school. Sammy always looked up to Steve as a kid. You see, Sammy and Steve's dad liked to drink and m...
by HardKnocker
Sat Apr 11, 2015 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: What is Sammy Savers net worth?
Replies: 41
Views: 3659

Re: What is Sammy Savers net worth?

$1,250,000
by HardKnocker
Sat Apr 11, 2015 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: What is Sammy Savers net worth?
Replies: 41
Views: 3659

Re: Price for new furnance & AC unit

I talked to a Lennox dealer at a Costco today. A 95% efficient furnace with a 2 ton AC unit SEER 16 was in the $6500-$7000 range after about $900 in rebates from the local gas & electrical utility. I just started looking, but this seems a bit high to me. Any advice on how to approach this would...
by HardKnocker
Sat Apr 11, 2015 7:14 am
 
Forum: Personal Consumer Issues
Topic: Price for new furnance & AC unit
Replies: 21
Views: 1401

Re: Tree roots growing into sewer lines

It's often best to consider the least invasive/drastic/expensive options first.
by HardKnocker
Thu Apr 09, 2015 10:06 am
 
Forum: Personal Consumer Issues
Topic: Tree roots growing into sewer lines
Replies: 41
Views: 1835

Re: Tree roots growing into sewer lines

$190/hr does seem like a lot but remember the guy has his truck, equipment & tools (which break and have to be replaced. A good pro power auger is quite expensive). Transport to and from the job. Wages, benefits, insurance, licenses, permits, etc. Not too mention it is an unpleasant job quite of...
by HardKnocker
Thu Apr 09, 2015 9:56 am
 
Forum: Personal Consumer Issues
Topic: Tree roots growing into sewer lines
Replies: 41
Views: 1835

Re: Tree roots growing into sewer lines

Two possible solutions: 1) Have the line reamed out professionally. Not cheap. Roto-Rooter in my area charges $400 minimum. You can do it yourself with a rented power auger for $50 for 4 hours from Home Depot. You can get augers with 100 foot snakes. You need to access the line somehow. Can you acce...
by HardKnocker
Thu Apr 09, 2015 9:19 am
 
Forum: Personal Consumer Issues
Topic: Tree roots growing into sewer lines
Replies: 41
Views: 1835

Re: Poll: What is the credit limit of your credit card?

$40,000+

In the perverse logic of banking, give large amounts of credit to those who do not need it.
by HardKnocker
Thu Apr 09, 2015 9:09 am
 
Forum: Personal Consumer Issues
Topic: Poll: What is the credit limit of your credit card?
Replies: 56
Views: 3451

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 11:03 am
 
Forum: Personal Consumer Issues
Topic: Basketball systems: In Ground or Portable?
Replies: 16
Views: 1013

Re: Trusting our advisor?

You can't trust nobody.
by HardKnocker
Sun Sep 21, 2014 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trusting our advisor?
Replies: 25
Views: 3470

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 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Critique my thoughts on Real Estate Investing
Replies: 17
Views: 1207

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 10:59 am
 
Forum: Personal Consumer Issues
Topic: Basketball systems: In Ground or Portable?
Replies: 16
Views: 1013

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 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Property
Replies: 10
Views: 877

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 6:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Any FRANCHISE owners here?
Replies: 30
Views: 3714

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 6:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Talk Me Off The Edge
Replies: 8
Views: 1780

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 6:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Do I need to hold my emergency fund in cash?
Replies: 29
Views: 3620

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 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3614

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 11:00 am
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 60
Views: 4612

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 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: College Savings vs Aid: 529s, UTMAs, FAFSA, and all that
Replies: 47
Views: 2443

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 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Don't even know where to start on this AARP article
Replies: 38
Views: 5372

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 5:53 pm
 
Forum: Personal Consumer Issues
Topic: Is there a "catch" in this Xfinity offer ?
Replies: 23
Views: 1737

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 10:49 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6860

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 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Suggestions /Advice for a fresh college graduate
Replies: 29
Views: 1723
Next

Return to advanced search