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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: 2191

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: 1973

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: 716

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: 9075

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: 4152

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: 3542

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: 110
Views: 9419

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: 1629

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: 2312

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: 2262

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: 2544

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: 3563

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: 3254

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: 3254

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: 5723

Re: 36 percent decline in net worth

From 2008 to 2014 is just a eyeblink in time.
by HardKnocker
Sun Jul 27, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: 36 percent decline in net worth
Replies: 38
Views: 6063

Re: Old people and financial advisors - a family tale

Your uncle doesn't sound like he has any brain impairment to me. Who likes to hear that a "friend" is putting the screws to them? Nobody. It's a normal emotional response to deny something like that. However, the advisor is not necessarily cheating your uncle either. The advisor is just no...
by HardKnocker
Sun Jul 27, 2014 6:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Old people and financial advisors - a family tale
Replies: 75
Views: 5700

Re: Rather be Home, Rather be at Work

A bad of fishing is better than a good day at work.
by HardKnocker
Fri Jul 25, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: Rather be Home, Rather be at Work
Replies: 30
Views: 3852

Re: 2015 Subaru Forester, which trim/options?

I have two Outbacks and they are base models. They come with many nice features standard.

The price really jumps on these cars when you start adding options.

More stuff = more stuff to go wrong.

Electronic doo-dads become obsolete very quickly nowadays.
by HardKnocker
Fri Jul 25, 2014 11:11 am
 
Forum: Personal Consumer Issues
Topic: 2015 Subaru Forester, which trim/options?
Replies: 16
Views: 1736

Re: Gold, Silver, Copper

Scenarios where holding gold as either financial or physical assets would be useful: 1) Democrats and Republicans get so ticked off at each other that civil war breaks out in the US. Half the states try to secede and markets crash. Rebel forces in Idaho fight a fierce rear guard action near Boise a...
by HardKnocker
Thu Jul 24, 2014 6:56 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 6941

Re: Parents are behind. Total asset allocation advice (56 &

Unfortunately if you are behind there is no magic pill. You don't get ahead by taking on more risk. Not smart. 1) Observe common sense asset allocation like the 3-fund portfolio. Where did I indicate trying to do anything else? I'm not looking for a magic pill or to take on more risk, I'm trying to...
by HardKnocker
Wed Jul 23, 2014 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parents are behind. Total asset allocation advice (56 & 51)?
Replies: 26
Views: 3568

Re: Parents are behind. Total asset allocation advice (56 &

Unfortunately if you are behind there is no magic pill. You don't get ahead by taking on more risk. Not smart.

1) Observe common sense asset allocation like the 3-fund portfolio.

2) Buy lottery tickets.
by HardKnocker
Wed Jul 23, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parents are behind. Total asset allocation advice (56 & 51)?
Replies: 26
Views: 3568

Re: Gold, Silver, Copper

Famous quotes:

"Avoid commodities and sector funds." -- Confucius
by HardKnocker
Wed Jul 23, 2014 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 113
Views: 6941

Re: What to do with additional income?

Save your raises.

Do not increase your lifestyle and expenditures.

Max your tax-deferred plans and then go with a tax-efficient index fund like Vanguard TSM.
by HardKnocker
Wed Jul 23, 2014 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with additional income?
Replies: 5
Views: 510

Re: Reaching Severe Burnout - Can I Scale Back Career?

I feel your pain. My only advice is to think before you leap. Do you take vacations? Can you build some exercise time into your day to help de-stress? Hit the gym or take a walk during lunch? You do take lunch, right? As mentioned above, are you doing too much? Can you delegate more of your work?
by HardKnocker
Wed Jul 23, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reaching Severe Burnout - Can I Scale Back Career?
Replies: 50
Views: 6034

Re: Best Coffee Maker? What do you have?

Erhan wrote:That was a fast edit :)
I was going to ask why would you want your coffee taste like Starbucks :)


Hold on, I'm thinking!

More coffee!

:annoyed

:happy
by HardKnocker
Wed Jul 23, 2014 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 5889

Re: Best Coffee Maker? What do you have?

I have one of those $10 coffee makers. And as a further sign of my frugality, I buy the jumbo can of the house brand at WallyMart for $5.99. One tip for you aficionados: Sprinkle cinnamon on the grounds before brewing. Tastes just like that $10/lb Dunkin Donuts coffee. With the money I've saved on c...
by HardKnocker
Wed Jul 23, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 5889

Re: What's Golf Course Frontage Worth - Indianapolis

Two warnings about living on a gold course : 1) ... I have a friend with a house adjacent to a course in North Carolina and he generally finds 6-12 gold balls in the yard daily . Personally, I don't want balls hit in my direction as I am enjoying breakfast on my patio. Gold? Why having gold fall in...
by HardKnocker
Wed Jul 23, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's Golf Course Frontage Worth - Indianapolis
Replies: 19
Views: 1232

Re: What's Golf Course Frontage Worth - Indianapolis

The golf course frontage is worth something if you like golf and can sneak on the course to play for free.

All kidding aside, don't pay more than you think it's worth. Don't get caught up in a bidding war. Be willing to walk away.
by HardKnocker
Wed Jul 23, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's Golf Course Frontage Worth - Indianapolis
Replies: 19
Views: 1232

Re: Intimidated by Investment Advisor

If he looks like this guy...run!

Image
by HardKnocker
Mon Jul 21, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intimidated by Trustee and Investment Advisor
Replies: 32
Views: 3930

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: 9573

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: 55
Views: 4497

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: 3245
Views: 1102758

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: 2775

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: 1656

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: 3314

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: 6355

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: 7234

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: 40
Views: 4686

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: 2838

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: 8538

Re: Tiny House Movement

For arid climates...

Image
by HardKnocker
Wed Jul 09, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 15933

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: 144
Views: 16248

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: 973

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: 3996
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