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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: 36
Views: 4769

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: 3310

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: 47
Views: 2873

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: 3310

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: 55
Views: 5243

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: 47
Views: 2873

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: 55
Views: 5243

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: 4270

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: 1179

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: 3310

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: 55
Views: 5243

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: 524

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: 692

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: 1529

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: 4568

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: 3114

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: 2723

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: 6535

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: 31159

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: 2284

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: 419

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: 7768

Re: Umbrella insurance rates

I pay State Farm $112/year for a $1 million policy. I have my auto and homeowners with State Farm as well. Interesting Rupert. I received a quote from my local State Farm agent yesterday for a package of auto/home/umb. The umbrella was about $670 for $2 million. $1 mill would probably have been abo...
by HardKnocker
Sat Apr 05, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance rates
Replies: 13
Views: 1081

Re: I accidentally discovered a coworkers salary... now what

How good looking is she?

Because if she is really good looking this could be why she makes more than you.
by HardKnocker
Sat Apr 05, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: I accidentally discovered a coworkers salary... now what?
Replies: 59
Views: 5421

Re: Umbrella Policy, do you have hands on experience

Umbrellas are basically an extension of your homeowners and auto policies liability protection.

They usually cover the same things and do not cover other things.
by HardKnocker
Sat Apr 05, 2014 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy, do you have hands on experience
Replies: 15
Views: 1582

Re: Any Bogleheads here into real estate investing?(renting

Some people have the personality for running rental real estate and some don't. You need a certain hardness to survive. The image of the cruel and heartless landlord, while extreme has some truth in it. You must have a strong will to survive above all other things, including compassion and empathy f...
by HardKnocker
Sat Apr 05, 2014 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Any Bogleheads here into real estate investing?(renting out)
Replies: 53
Views: 3671

Re: Buying for someone who "has everything"

A donation to a charity in their name.
by HardKnocker
Sat Apr 05, 2014 8:49 am
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2284

Re: John Bogle, Index Icon, Accused of Timing Market

"Asked whether investors should protect their gains after a five-year bull market (presumably by exiting the market), Bogle offers a nuanced, or perhaps contradictory, response: “People aren’t going to know how to do that — it’s market timing," Bogle is quoted as saying. "I’d say, ne...
by HardKnocker
Sat Apr 05, 2014 8:46 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle, Index Icon, Accused of Timing Market
Replies: 44
Views: 4914

Re: Putting $ away for children

I've only read the initial post of this thread. I think you are wise to withhold the existence of these assets from your kids at this time. Better for them to establish themselves and grind out a living for awhile. As for what to do with the money, I would suggest something with moderate risk and po...
by HardKnocker
Sat Apr 05, 2014 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Putting $ away for children
Replies: 103
Views: 5360

Re: How Ignorant am I? 5yr on Job, No 401k. 100K collecting

StevenNJ1 wrote:
I also have over 100K sitting in the bank collecting dust.



You can't be too dumb if you have $100k in the bank.
by HardKnocker
Sat Apr 05, 2014 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: How Ignorant am I? 5yr on Job, No 401k. 100K collecting dust
Replies: 36
Views: 3565

Re: Umbrella insurance rates

JohnF wrote:
Rupert wrote:I pay State Farm $112/year for a $1 million policy. I have my auto and homeowners with State Farm as well.


I paid State Farm $942 in March for a two million umbrella with three cars and a teenage driver in Atlanta.


I have one more kid coming online this year and my premium will be with yours.
by HardKnocker
Thu Apr 03, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance rates
Replies: 13
Views: 1081

Re: How did you determine your "number" for retirement

Expenses times years left is a good one.

Planning your year of death in advance.
by HardKnocker
Thu Apr 03, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you determine your "number" for retirement
Replies: 51
Views: 3277

Re: Is Our Accountant Over-Charging Us?

... Local high school teacher with 30 years seniority = $70/hr Plus the overhead of the school (the school building and grounds, the non-teacher employees, textbooks, supplies, buses, cafeteria, etc.) Indeed. Not to mention the cost of the new artificial turf football field, electronic scoreboard, ...
by HardKnocker
Thu Apr 03, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Our Accountant Over-Charging Us?
Replies: 30
Views: 3114

Re: Umbrella insurance rates

I pay State Farm $112/year for a $1 million policy. I have my auto and homeowners with State Farm as well. Interesting Rupert. I received a quote from my local State Farm agent yesterday for a package of auto/home/umb. The umbrella was about $670 for $2 million. $1 mill would probably have been abo...
by HardKnocker
Thu Apr 03, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance rates
Replies: 13
Views: 1081

Re: Is Our Accountant Over-Charging Us?

We recently started with an au pair, and I asked the household employee expert whether we needed to withhold, how much, and what needed to be filed. She referred us to our regular accountant. There were a total of 8 e-mails sent back and forth on the topic. There was really only one e-mail response...
by HardKnocker
Thu Apr 03, 2014 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Our Accountant Over-Charging Us?
Replies: 30
Views: 3114

Re: Any Bogleheads here into real estate investing?(renting

To parrot Qtman, rental real estate, unless you get into large multi-unit properties like apartment buildings where you can afford a live-in custodian/rental manager, is a very hands-on business.

To think that you can delegate all the unpleasant and necessary tasks to others is wishful thinking.
by HardKnocker
Thu Apr 03, 2014 10:08 am
 
Forum: Investing - Theory, News & General
Topic: Any Bogleheads here into real estate investing?(renting out)
Replies: 53
Views: 3671

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

"I make myself rich by making my needs few."
by HardKnocker
Thu Apr 03, 2014 10:04 am
 
Forum: Investing - Theory, News & General
Topic: Please help identify quote: I'm richer than he because...
Replies: 28
Views: 2723

Re: Preventing Office Theft of Food and Other Stuff

I lived with a few other guys in college in an apartment. We would put our initials on each egg to establish ownership.

Lord of the Flies.
by HardKnocker
Thu Apr 03, 2014 10:01 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 4952

Re: Umbrella insurance rates

Can I tag on... for those buying umbrella policies, where are you getting rate quotes and who are the best providers? Depending on your personal situation rates can be low or high. Things that really raise the premium are a number and types of vehicles, teenage drivers, pets, swimming pools, popula...
by HardKnocker
Thu Apr 03, 2014 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance rates
Replies: 13
Views: 1081

Umbrella insurance rates

Use this to compare rates in different states and zipcodes. Click on your state, download the .pdf and scroll to the end. It shows premiums by zip. Unfortunately for me I am in one of the most expensive zipcodes in the country for this product. Ouch! http://www.rlipersonalumbrella.com/excessum/defau...
by HardKnocker
Thu Apr 03, 2014 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance rates
Replies: 13
Views: 1081

Re: Best Movies of 2013

oragne lovre wrote:
NeedToRetire wrote:
I didn't understand "Forrest Gump" when I first watched it. I now keep coming back to watch it again and again.


The book is very good too.
by HardKnocker
Thu Apr 03, 2014 8:35 am
 
Forum: Personal Consumer Issues
Topic: Best Movies of 2013
Replies: 83
Views: 5479

Re: Best Movies of 2013

Mandela
The Butler
by HardKnocker
Thu Apr 03, 2014 8:35 am
 
Forum: Personal Consumer Issues
Topic: Best Movies of 2013
Replies: 83
Views: 5479

Re: Preventing Office Theft of Food and Other Stuff

Some shrinkage is unavoidable.

Don't leave stuff in the office you don't want stolen is best strategy.
by HardKnocker
Thu Apr 03, 2014 8:32 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 4952

Re: Maintenance $$'s spent over the lifetime on your Car

$550/yr is less than $50/mo.

Pretty cheap compared to amortizing the cost of a new car. Even a no-frills car will cost many times that per month and you will still need oil changes and regular maintenance, tires, etc.
by HardKnocker
Wed Apr 02, 2014 9:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Maintenance $$'s spent over the lifetime on your Car
Replies: 38
Views: 2327

Re: Is Our Accountant Over-Charging Us?

CPAs, like lawyers, are paid for their time. They are professionals. What do CPAs charge per hour? I'm out of touch on this but probably $100 - $200 hour depending on level? If they spend time researching your problem (and it takes time) to provide an answer then you have to pay. If you don't want t...
by HardKnocker
Wed Apr 02, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Our Accountant Over-Charging Us?
Replies: 30
Views: 3114

Re: College costs, anyone else spit coffee on their monitor?

AP classes are used as a means of raising students class ranking because the AP classes are higher credit, usually 5 credits. Therefore a B in an AP class counts as an A, an A counts as a Super A. This is why kids are taking all these AP classes now. It's a way to game the system.
by HardKnocker
Fri Jun 07, 2013 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: College costs, anyone else spit coffee on their monitor?
Replies: 151
Views: 10172

Re: Crazy reply from employer re 401k Index funds

1. In my opinion and experience, you are wasting your time trying to win that argument. The fund(s) and the folks that market and sell the funds and the 401k management "sell" what they have in their line of products. Tied closely in with that is the margin or profit or commission they ge...
by HardKnocker
Thu Jun 06, 2013 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Crazy reply from employer re 401k Index funds
Replies: 66
Views: 7073

Re: Request some advice for my parents (mid 50s)

Hi All, So I'm 28, about 10 months into bogleheading, but recently discussed with my parents why I moved my accounts to Vanguard. I've convinced them to get theirs moved over to Vanguard. Naturally, I wanted the community's opinion on what should be recommended, as I am by no means an expert. [Rude...
by HardKnocker
Thu Jun 06, 2013 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on some Variable Annuities
Replies: 23
Views: 2766

Re: Dave Ramsey Defends his Investing Advice - Again!

Dave Ramsey is like a TV preacher.

He says some good things and tells you to do some good things but his primary goal is to get into your wallet.
by HardKnocker
Thu Jun 06, 2013 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Defends his Investing Advice - Again!
Replies: 106
Views: 13762
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