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Re: Primerica sitin

Primerica's term insurance is ridiculously overpriced.

They have layers and layers of commissions that are paid in their multi-level marketing organization (think AmWay/Herbalife/NuSkin). The top people in their commission system earn millions.
by HardKnocker
Thu Apr 24, 2014 8:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Primerica sitin
Replies: 15
Views: 1042

Re: High Umbrella Limits - A waste

A P&C insurance agent explained to me once that overly large umbrella policy limits were really not necessary. He said a moderate umbrella limit would make the insurance company lawyers fight very hard in court to avoid any large payout. So what you are in effect paying for with umbrella insuran...
by HardKnocker
Thu Apr 24, 2014 7:56 am
 
Forum: Personal Finance (Not Investing)
Topic: High Umbrella Limits - A waste
Replies: 77
Views: 6451

Re: Primerica sitin

Primerica's financial products are terribly overpriced.

Stay away.
by HardKnocker
Wed Apr 23, 2014 7:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Primerica sitin
Replies: 15
Views: 1042

Re: New Baby Girl - What Can/Should We Do?

New Baby Girl - What Can/Should We Do?

I recommend disposable diapers.
by HardKnocker
Tue Apr 22, 2014 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Baby Girl - What Can/Should We Do?
Replies: 42
Views: 2887

Re: Some websites are.......[predicting stock market correct

I predict ups and downs in the stock market.

Oz has spoken.
by HardKnocker
Tue Apr 22, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Some websites are.......[predicting stock market correction]
Replies: 22
Views: 2428

Re: Real Estate Investing

Real estate can be a great opportunity. You can literally create money from nothing if you know what you are doing. You can get rich in real estate. Many have. It's not for those with small cojones or for those who want a hands off investment. You have to decide where your time is best spent. Someti...
by HardKnocker
Tue Apr 22, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: Real Estate Investing
Replies: 11
Views: 887

Re: Forced job responsibility putting me in a panic

This is a tremendous opportunity for you to develop your public speaking skills an set yourself apart in your company. You get better by doing. Just do it. Don't worry about failing. Expect to fail. Get over it. Move forward. Get better. Successful people make themselves do the things unsuccessful p...
by HardKnocker
Tue Apr 22, 2014 7:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2112

Re: is whole life insurance a good investment?

is whole life insurance a good investment?

No. It's not an investment. It's life insurance.
by HardKnocker
Tue Apr 22, 2014 7:56 am
 
Forum: Investing - Help with Personal Investments
Topic: is whole life insurance a good investment?
Replies: 17
Views: 1458

Re: Northwestern mutual

Life insurance is not an investment. It's life insurance.

Don't buy life insurance as an investment.

It should be against the law to market it as an investment.
by HardKnocker
Mon Apr 21, 2014 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: Northwestern mutual
Replies: 20
Views: 1370

Re: Northwestern mutual

I had a NWM sales agent contact me 3 times - not once, but 3 times! Apparently, this particular "pesky fly" was recruited straight out of a major name school in the MA area and whose strategy was to call on all the names listed in the alumni book - first to try and sell it to them, but th...
by HardKnocker
Mon Apr 21, 2014 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: Northwestern mutual
Replies: 20
Views: 1370

Re: Northwestern mutual

NW Mutual is probably the best permanent life insurance company out there. If you need permanent life. They are not cheap. They know their stuff. They are very highly rated for financial stability. An excellent company at the pinnacle of the game. If you need permanent life. Few people need it. It ...
by HardKnocker
Mon Apr 21, 2014 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: Northwestern mutual
Replies: 20
Views: 1370

Re: Northwestern mutual

Northwestern Mutual will hire any college kid that can fog a mirror. Everyone I went to business school with received recruiting calls from them, and many of my friends who were not business majors got calls from them. They don't care what your experience is in, as long as they can train you to sel...
by HardKnocker
Mon Apr 21, 2014 8:46 am
 
Forum: Investing - Theory, News & General
Topic: Northwestern mutual
Replies: 20
Views: 1370

Re: Vanguard Personal Advisor Services

Please do not take my reply to SanSoulier's post as a slam against Vanguard. It was a general comment about financial advisors. I am constantly receiving solicitations from financial advisors who want to "help me out". If I felt the need of financial advisory services I would feel comforta...
by HardKnocker
Mon Apr 21, 2014 8:24 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services
Replies: 26
Views: 4116

Re: Northwestern mutual

NW Mutual is probably the best permanent life insurance company out there. If you need permanent life. They are not cheap. They know their stuff. They are very highly rated for financial stability. An excellent company at the pinnacle of the game. If you need permanent life. Few people need it. It i...
by HardKnocker
Mon Apr 21, 2014 8:11 am
 
Forum: Investing - Theory, News & General
Topic: Northwestern mutual
Replies: 20
Views: 1370

Re: Golfer's elbow treatment

It's from turning your hands over at impact. Overuse. You overdid it.

Rest until it feels better. Then start back in but gradually and don't overdo it.
by HardKnocker
Sat Apr 19, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Golfer's elbow treatment
Replies: 7
Views: 454

Re: Vanguard Personal Advisor Services

Personally, my choice of financial adviser (once I reach the 2-comma club) will be the one whose advice got me to Flagship status already. Anybody can steer a ship in the middle of the deep water. For me, it's the one who's shown me how to navigate around the shoals and reefs that I want by my side...
by HardKnocker
Sat Apr 19, 2014 10:01 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services
Replies: 26
Views: 4116

Re: Vanguard Personal Advisor Services

Personally, my choice of financial adviser (once I reach the 2-comma club) will be the one whose advice got me to Flagship status already. Anybody can steer a ship in the middle of the deep water. For me, it's the one who's shown me how to navigate around the shoals and reefs that I want by my side...
by HardKnocker
Sat Apr 19, 2014 8:29 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services
Replies: 26
Views: 4116

Re: How not to invest

"But in reality, you gotta trust that these people are operating within what they generally say, you know?"

Uh, no, you don't. :oops:
by HardKnocker
Sat Apr 19, 2014 8:27 am
 
Forum: Investing - Theory, News & General
Topic: How not to invest
Replies: 3
Views: 1104

Re: New homeowner: lawn care advice

4000 sq. ft. yard is for example 40 x 100.

This is not a big yard in my area.

Am I missing something here?

1/2 acre lot is 21,780 sq. ft.

1 Acre is 43,560 sq. ft.
by HardKnocker
Fri Apr 18, 2014 9:42 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 54
Views: 3812

Re: Net Worth Survey, 2014 Edition

I don't think you can acquire significant wealth EARLY just through savings/investment. You have to earn it through entrepreneurship or private investment (getting lucky in real estate or perhaps partnerships). However, I believe saving and investment is the way to acquire wealth in the long term. ...
by HardKnocker
Fri Apr 18, 2014 9:35 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 18678

Re: Help me find a good slow cooker

Thanks you two. Any others with ideas? Thanks I have a large Crock Pot that I bought on sale at WalMart for $20. It's big. Works really well. No need to buy an expensive slow cooker. This is the one. $20 https://encrypted-tbn2.gstatic.com/images?q=tbn:ANd9GcQJe12ALSrQV8b9G9q3QEx35tEBGvr6NCSV5Dit2mp...
by HardKnocker
Fri Apr 18, 2014 3:54 pm
 
Forum: Personal Consumer Issues
Topic: Help me find a good slow cooker
Replies: 29
Views: 1517

Re: "Best" place for new tires and tire protection plans = B

I ordered tires online and then had my local auto shop mount and balance them. You save a few bucks that way provided your shop charges reasonable rates. Road hazard warranties are not worth beans. If a tire is damaged it is either very easy to repair (like having it plugged) or it is not possible a...
by HardKnocker
Fri Apr 18, 2014 8:32 am
 
Forum: Personal Consumer Issues
Topic: "Best" place for new tires and tire protection plans = B.S.?
Replies: 34
Views: 2259

Re: Help me find a good slow cooker

Thanks you two. Any others with ideas? Thanks I have a large Crock Pot that I bought on sale at WalMart for $20. It's big. Works really well. No need to buy an expensive slow cooker. This is the one. $20 https://encrypted-tbn2.gstatic.com/images?q=tbn:ANd9GcQJe12ALSrQV8b9G9q3QEx35tEBGvr6NCSV5Dit2mp...
by HardKnocker
Fri Apr 18, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: Help me find a good slow cooker
Replies: 29
Views: 1517

Re: *poor* Bogleheads

There is a sense of "superiority" on this forum from some of the members. Not necessarily due to wealth but more in the area of perceived social position due to occupation and attained education level. Kind of a blue-blood attitude (My children are going to expensive private schools/I am a...
by HardKnocker
Fri Apr 18, 2014 8:20 am
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5345

Re: I need a new coffee maker, any recommendations?

Some of the best coffee I ever had was campfire coffee. You can also make it at home. Fill a pot with 6 cups of water. Bring to boil. Remove from heat. Pour 3 1/2 tbls of ground coffee into the water. Let steep for a few minutes. Pour a teaspoon of cold water into the pot to settle the grounds. Ladl...
by HardKnocker
Thu Apr 17, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2259

Re: I need a new coffee maker, any recommendations?

I use one of those $10 coffee makers from WalMart.
by HardKnocker
Thu Apr 17, 2014 3:22 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2259

Re: What is your net worth

I'm waiting for the $1 Billion option.

Is it being added soon?
by HardKnocker
Thu Apr 17, 2014 8:39 am
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 5423

Re: Not necessarily insects

busterk wrote:
davebarnes wrote:Woodpeckers (males) peck to attract mates.
It is the sound that is important.


Fact.


Females like big peckers apparently.

Just an observation from watching woodpeckers.
by HardKnocker
Tue Apr 15, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3444

Re: New homeowner: lawn care advice

Grass is actually the biggest agricultural product in the US. What a waste of water which would be better used elsewhere. My lawn is zoysia and I never water it. When we hit a dry patch it just hunkers down and stops growing maybe a bit brown but it doesn't do it any lasting damage. I never water e...
by HardKnocker
Tue Apr 15, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 54
Views: 3812

Re: Woodpeckers...I'm desperate!

As mentioned, woodpeckers are very territorial. Thus the idea of providing them a birdhouse. Once a woodpecker takes up residence he keeps other woodpeckers away. Beautiful birds but what a nuisance. I have a white birch tree that the woodpecker has just destroyed the top section. Just drilled it to...
by HardKnocker
Tue Apr 15, 2014 8:32 am
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3444

Re: The slackening...

I make plenty dumb mistakes growing up. Do dumb things. No have Xbox then or computers. Read plenty comic books. Play with toys. Daydream. Watch cartoons and 3 Stooges. Waste time play sports in sandlot. Me not big smart but not make same mistakes twice. Learn from mistakes. Not make fatal mistakes....
by HardKnocker
Tue Apr 15, 2014 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: The slackening...
Replies: 61
Views: 6548

Re: New homeowner: lawn care advice

4000 sq ft lawn is 40 x 100 approx. Small yard. Buy a cheap gas push mower at Walmart for $100. It'll last you 5-10 years and then buy a new one. Good exercise too. A leaf blower is a good idea. Extension cord if not rechargeable or gas. A lawn rake. Fertilizer and weed killer if you are so inclined.
by HardKnocker
Tue Apr 15, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 54
Views: 3812

Re: The slackening...

JuanZ wrote:
SC Hoosier wrote:Look at the 'Greatest Generation.'


Be mindful of survivorship bias.


How true. There were lots of losers in the Greatest Generation.
by HardKnocker
Tue Apr 15, 2014 8:04 am
 
Forum: Personal Finance (Not Investing)
Topic: The slackening...
Replies: 61
Views: 6548

Re: Lost $10K in my investments past few months

Should I change my Bogelology? Should I consult my registered rep who is 25 and has a net worth of <$30,000>? My life insurance agent says whole life and variable annuitities are a good idea. Have you read Bogle books? Don't buy sector mutual funds. Werry bad. Bogle no like sector funds. Stay the co...
by HardKnocker
Tue Apr 15, 2014 7:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Lost $10K in my investments past few months
Replies: 36
Views: 4359

Re: Bogle speaks out about Vanguard

As long as Vanguard maintains low fees on their index funds I can be happy.

If not, bye bye.
by HardKnocker
Mon Apr 14, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Bogle speaks out about Vanguard
Replies: 2
Views: 1189

Re: Woodpeckers...I'm desperate!

I had a woodpecker putting holes in my house too. Occasionally one still appears. Fortunately I hear him hammering on someone else's house or a tree somewhere the past couple years. He goes crazy. I made a woodpecker bird house for him but he didn't like it I guess. Squirrels live there now. They ar...
by HardKnocker
Mon Apr 14, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3444

Re: The slackening...

But I bet her grandkids are awesome at Xbox.

And really, throwing a lariat is not a skill much in demand nowadays.

Anyway, I recommend disinheriting the whole bunch.
by HardKnocker
Mon Apr 14, 2014 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: The slackening...
Replies: 61
Views: 6548

Re: Determining spending allowance for myself

Better keep $400k.

When the market tanks you might need it.

Spend the dividends.
by HardKnocker
Fri Apr 11, 2014 7:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Determining spending allowance for myself
Replies: 6
Views: 526

Re: Front License Plates for new Subaru

I have a Subaru and the dealer attached the plates.

I recall they just drilled the holes and screwed on the plates as I watched. No special mounting bracket or anything, just screwed it on.

The bumper is plastic. The plates have not come off.
by HardKnocker
Wed Apr 09, 2014 7:28 am
 
Forum: Personal Consumer Issues
Topic: Front License Plates for new Subaru
Replies: 8
Views: 740

Re: How to Handle Death of a Tenant

"I have no idea if the other tenant can afford to pay the entire rent herself, but I doubt it." So talk to the tenant. Ask her where she works. How much she makes a week. If she can't afford it she has to go. Tell her "You pay, you stay, you don't, you go". As long as she pays s...
by HardKnocker
Wed Apr 09, 2014 7:15 am
 
Forum: Personal Finance (Not Investing)
Topic: How to Handle Death of a Tenant
Replies: 19
Views: 1624

Re: Windows 8/7

Windows 8 is awful.

Use classicshell.
by HardKnocker
Tue Apr 08, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 4578

Re: Is Our Accountant Over-Charging Us?

I would say yes, you're being overcharged because it sounds like the accountant is charging you for anything and everything you do (similar to a lawyer...you call, then those are billable hours!). My taxes are NOT difficult, but my tax filing fee of $165? It includes any and all questions for the c...
by HardKnocker
Tue Apr 08, 2014 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Our Accountant Over-Charging Us?
Replies: 30
Views: 3166

Re: Please help identify quote: I'm richer than he because..

"I'm richer because my lawyer has sumptuous leather waiting room furniture and highly polished mahogany paneling plus ten different flavors of Green Mountain Coffee k-cups."
by HardKnocker
Tue Apr 08, 2014 8:54 am
 
Forum: Investing - Theory, News & General
Topic: Please help identify quote: I'm richer than he because...
Replies: 28
Views: 2782

Re: general (financial) advice about musical instruments/les

Hardly any of the students in our high school bands continue playing after graduation.

Perhaps because they were not playing because they enjoyed it but only because their parents made them do it.

Sad.
by HardKnocker
Tue Apr 08, 2014 8:45 am
 
Forum: Personal Consumer Issues
Topic: general (financial) advice about musical instruments/lessons
Replies: 109
Views: 6568

Re: What age did you reach 100K networth?

market timer wrote:Age 32. This thread makes me feel even poorer than the net worth thread showing half of you are millionaires.


You are no happier when you have a few million than when you have enough for your basic needs.
by HardKnocker
Sun Apr 06, 2014 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 31248

Re: Buying for someone who "has everything"

Who needs more junk?

However new underwear is always needed and chocolate is always welcome.
by HardKnocker
Sun Apr 06, 2014 7:58 am
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2308

Re: Keep my house as rental or sell?

One potential problem with renting is the wear and tear on the rented home which can lower the value. You will have two houses to maintain and repair. The income numbers you are working with will not cover your maintenance and repair costs on the former home. The cash flow is not good. Cash flow is ...
by HardKnocker
Sun Apr 06, 2014 7:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Keep my house as rental or sell?
Replies: 2
Views: 423

Re: How are you preparing for the coming bear market

How do we prepare for the bull market that comes after the coming bear market?
by HardKnocker
Sat Apr 05, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7861
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