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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: 51
Views: 3998

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: 6124

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: 6124

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: 1370

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: 2006

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: 3590

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: 3590

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: 1370

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: 1807

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: 1807

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: 1807

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: 3399

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: 1006

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: 3467

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: 1201

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: 1006

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: 874

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: 3706

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: 1778

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: 3615

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: 3599

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: 4606

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: 2440

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: 5357

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: 1730

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: 6798

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: 1689

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 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: EJ Gadflies [Edward Jones]
Replies: 64
Views: 7053

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 10:06 am
 
Forum: Investing - Theory, News & General
Topic: The dangerous practice of rebalancing...
Replies: 191
Views: 15686

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 11:51 am
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4583

Re: How would you handle this situation ?

I'd quit the group.

Image
by HardKnocker
Fri Sep 12, 2014 6:45 am
 
Forum: Personal Consumer Issues
Topic: How would you handle this situation ?
Replies: 33
Views: 2730

Re: Ideas for thanking a doctor

A personal thank you from your gall bladder is always appreciated.
by HardKnocker
Wed Sep 10, 2014 7:03 am
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 6044

Re: Tip for the Roofing Crew

Tipping roofers? No way.
by HardKnocker
Wed Sep 10, 2014 6:46 am
 
Forum: Personal Consumer Issues
Topic: Tip for the Roofing Crew
Replies: 13
Views: 1399

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 6:41 am
 
Forum: Personal Finance (Not Investing)
Topic: ow Does Paying Off a Mortgage Affect Your Credit Score
Replies: 16
Views: 1677

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 6:34 am
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 5308

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 6:32 am
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 5308

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 6:25 am
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 12001

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 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Colleague being fleeced by insurance agent / Ponzi Scheme?
Replies: 54
Views: 5854

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 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Less than 30% of active fund managers beat their benchmarks
Replies: 18
Views: 963

Re: pimco total return

Those expenses are outrageous.
by HardKnocker
Tue Sep 09, 2014 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: pimco total return
Replies: 7
Views: 561

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 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2363

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 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2363

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 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2363

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 6:05 am
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2363

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 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2548

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 7:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you hold cash/money market outside of your emergency fund
Replies: 31
Views: 2347

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 8:53 pm
 
Forum: Personal Consumer Issues
Topic: 2014 TaxACT online (fed+state), $13.99 'til Aug 31.
Replies: 6
Views: 790

Re: Where do you buy clothes?

Kohls
Target
WalMart
by HardKnocker
Tue Aug 12, 2014 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 10565
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