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Re: POLL: How fulfilling is your retirement?

Great time not 1 regret.
by nodenuff2
Tue Oct 21, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 3071

Re: Help with a large business decision

Stay the course until the 500k is not such a big deal. Wait 2 years bank another million or so then make the investment so what if the cost is then 600 k,
by nodenuff2
Mon Sep 15, 2014 10:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with a large business decision [capital expenditure]
Replies: 36
Views: 1436

Re: Selling private bank stock, experiences or tips?

I sold some inherited back stock through the local bank. it was an arranged sale to an interested party just before the financial meltdown ..... Blind squirrel finds acorn
by nodenuff2
Wed Jul 30, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling private bank stock, experiences or tips?
Replies: 10
Views: 857

Re: Trip to OKC, what attractions to visit

If you stay downtown eat at Red's try the flash fried spinach with your steak. Take in a ball game and eat at Mickey Mantle's place.
by nodenuff2
Wed Jul 23, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Trip to OKC, what attractions to visit
Replies: 24
Views: 887

Re: If you own a car, do you have a car payment?

My wife just bought a vehicle we were prepared to write a check for it but after making the deal we were offered the 0% financing .With reluctance I agreed to it but not the 60 months much shorter time wise .
by nodenuff2
Fri Jul 18, 2014 8:37 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7762

Re: How much do you spend on your hobby annually?

Confession time. My wife and I love horses we spend a lot on this hobby. Wife pays all horse related expenses so I will not know exactly what we spend but my estimate is 18- 20k I know there is no logical way to justify this amount but we worked hard during the accumulation phase and it our money. I...
by nodenuff2
Sat Jul 12, 2014 6:10 pm
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 7613

Re: Any benefit of having both Traditional and Roth accounts

One of my mistakes was putting all retirement funds in my 401k. It was not until the last few years that my old company offered the Roth option. Ira or Roth does not matter but you will be glad you did in retirement when you need that new roof,new car, second home and can do so with after tax dollar...
by nodenuff2
Mon Jun 23, 2014 7:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Any benefit of having both Traditional and Roth accounts?
Replies: 14
Views: 1806

Re: Wind blew off shingles, now roof is leaking!

Call your agent with your problem. Ask them to revisit your original claim. Talk in person with the adjuster.explain that you are not asking to be paid for the roof again but the additional damage .4 months is not too long to get a roof REPAIRED just 1 slope as to replacing the entire roof. If there...
by nodenuff2
Sun Jun 22, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Wind blew off shingles, now roof is leaking!
Replies: 27
Views: 1499

Re: Wind blew off shingles, now roof is leaking!

Call your agent with your problem. Ask them to revisit your original claim. Talk in person with the adjuster.explain that you are not asking to be paid for the roof again but the additional damage .4 months is not too long to get a roof REPAIRED just 1 slope as to replacing the entire roof. If there...
by nodenuff2
Sun Jun 22, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Wind blew off shingles, now roof is leaking!
Replies: 27
Views: 1499

Re: Leasing mineral rights for oil exploration

The amount of the lease is light for an area being developed . Is this a major player or someone taking some risk? Are there producing wells in the area now ? Read the contract it has a renewing clause in it as most all do . The money for leasing is a drop in the bucket . The money is in the product...
by nodenuff2
Sat Jun 21, 2014 7:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Leasing mineral rights for oil exploration
Replies: 14
Views: 1143

Re: Late starters: what age did you start investing?

Started at 32 when the company I worked for started a 401k. 3% I think.
by nodenuff2
Thu Jun 19, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late starters: what age did you start investing?
Replies: 73
Views: 5915

Re: Roll Call for the Retirement Class of 2014!

Ok Nodenuff2 was 64 at retirement .
by nodenuff2
Wed Jun 11, 2014 4:44 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 251
Views: 24815

Re: Roll Call for the Retirement Class of 2014!

Retired Jan. 31,2014. 42years with the same company. Left a team that I hired and trained . I miss the people but never think about the work . Love my life now. Life is great each day is less stressful. So long corporate rat race.
by nodenuff2
Thu May 15, 2014 7:51 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 251
Views: 24815

Re: Consequences of a failed HO insurance company...

Each state has a guarranty fund supported by all companies doing business in that state.if needed they are assessed more to pay all claims.
by nodenuff2
Mon Mar 31, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Consequences of a failed HO insurance company...
Replies: 12
Views: 1101

Thank all for helping with my retirement 01.31.2014

Nodenuff2. has done it with your help . Hit my number but waited 2 more years to be sure. Thanks to all who helped me organize my random thoughts into a plan . Soon the transfers will be complete. Then my IPS will be implemented. Then we will concentrate on spoiling more completely our grand kids . ...
by nodenuff2
Fri Feb 07, 2014 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thank all for helping with my retirement 01.31.2014
Replies: 2
Views: 576

Re: Negotiating with Insurance (Subrogation Claim)

Old claims guy here.offer topay him 50% now in a lump sum then negotiate Up to 75% to sue you he uses an attorney for this he charges at least25% to collect.
by nodenuff2
Sat Jan 18, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Negotiating with Insurance (Subrogation Claim)
Replies: 16
Views: 1410

Re: Biggest regrets in your life in financial investment?

At 64 I have only 10% of my assests in taxable accounts. Wished I had saved more for those big expenses cars, vacations roofs etc.so they would not cost an extra 25% now. Also wish I had started a Roth from day one although my company has not offered one very long. Those and finding index funds earl...
by nodenuff2
Fri Jan 17, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 8360

Re: Sacrificing career for family

You are to be commended for the sacrafice you are making. This is what strong familes do for one another. The problem is your attitude about work. Resolve that and enjoy life. You need to find satisfaction in other areas of your life. boy scouts, church,civic organizations might suffice, Find someth...
by nodenuff2
Tue Jan 14, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sacrificing career for family
Replies: 40
Views: 4564

Re: What was your 2013 return?

Started the year 48/52 finished the year 53/47 Stocks/ Fixed income. Return was 14.8%
by nodenuff2
Thu Jan 02, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 9651

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

My best guess is another good year 2042.04
by nodenuff2
Wed Jan 01, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 537
Views: 15344

Re: Help me with the biggest decision of my finacial life

Turned in the papers last week. Went with 60% lump sum and 40 % in a 100% Joint pension. Combined with SS this creates a floor income than could sustain us if needed. SS+ (not yet signed up )+ Pension +Vangaurd plus lump plus 401k plus IRA = GREAT RETIREMENT
by nodenuff2
Tue Dec 17, 2013 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help me with the biggest decision of my finacial life
Replies: 20
Views: 3908

Re: Christmas time acomin'

Ordered the following 2 books as stocking stuffers. 1. Bogleheads Guide to Investing 2. All about Asset Allocation . Can't wait to hear what they have to say.Thanks for all the help in choosing and to Taylor, Mel,Rick and others for their work here and in print
by nodenuff2
Tue Dec 17, 2013 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Christmas time acomin'
Replies: 7
Views: 1314

Re: Quitting work

Reading with amusement as my last official day is 1-31-14. Announced about 2 months ago. Interview process is complete and 6 of my people are in competion for my position. Replacement to named any day. Retirement party is planned at a local CC. All papers are signed and in place. 42 years is enough ...
by nodenuff2
Tue Dec 17, 2013 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quitting work
Replies: 63
Views: 6948

Re: Vehicle Allowance or Company Vehicle?

I've had a company vehicle for over 40 years. Notelling what it has saved me. Take the truck and don't look back.
by nodenuff2
Mon Dec 16, 2013 9:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vehicle Allowance or Company Vehicle?
Replies: 17
Views: 570

Re: Timber [Tracts as part of a portfolio]

Bigfoot farmland and timber land make up about 33% of my net woth. That does not affect my investment decisons beyond a10% higher stock share of total and no REIT's beyond market share. Rental income and timber sales are conted against income. So if I was at 50/50 I carry more like 60/40. Land is a ...
by nodenuff2
Mon Dec 16, 2013 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Timber [Tracts as part of a portfolio]
Replies: 27
Views: 2301

Re: How many are pro's?

Well I voted as "never in Fianace " but did work in insurance for my entire career. in 49 days I'll hang it up.
by nodenuff2
Fri Dec 13, 2013 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: How many are pro's?
Replies: 9
Views: 934

Re: Umbrella coverage for lawsuits

Best answer is Trimms. Not to say thothers aren't ok.
by nodenuff2
Thu Dec 12, 2013 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella coverage for lawsuits
Replies: 34
Views: 3375

Re: Auto Insurance: Letting a friend borrow my car

Not a lawyer but been in insurance claims a long time. I could imagine some senario where you could be held responsible for their action. If you know they are a drunk or have extremely bad eye sight or a poor driving record .Another would be if they were on some mission for you or your employee but ...
by nodenuff2
Tue Dec 10, 2013 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance: Letting a friend borrow my car
Replies: 14
Views: 1376

Re: Auto Insurance: Letting a friend borrow my car

This creates some additional risk exposures for you suggest you seek written clarification from your insurance agent.
by nodenuff2
Tue Dec 10, 2013 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance: Letting a friend borrow my car
Replies: 14
Views: 1376

Re: Should a pay raise offer be negotiated?

We also have a percentage budget amount set by last year's salaries. However I have an outstanding group of over acheivers. We annually "bust the budget" I keep justifying it by the over performance of my employees. I would not attempt to negoiate at the time of your performance review rat...
by nodenuff2
Wed Dec 04, 2013 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should a pay raise offer be negotiated?
Replies: 20
Views: 1866

Re: Tractor for my 12 Acre Horse Farm

Random poster while a 40 hp tractor might be capable of pulling a small square baler it is very uncomfortable for the person ooperating the tractor. As the baler forces the hay into the chmber and the fly wheel comes around on a small tractor you get a strong jolt. We bale with the biggest tractor w...
by nodenuff2
Wed Nov 20, 2013 11:53 am
 
Forum: Personal Consumer Issues
Topic: Tractor for my 12 Acre Horse Farm
Replies: 28
Views: 3167

Re: Tractor for my 12 Acre Horse Farm

First let me say I have owned John Deere tractors for over 40 years. If you are not going to buy a Deere then go with the Kubota because the dealership is close at hand. While dependable tractors do break on occasion. Having parts close by is handy when you are working. Buy a 25-32 horse power tract...
by nodenuff2
Mon Nov 18, 2013 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Tractor for my 12 Acre Horse Farm
Replies: 28
Views: 3167

Re: REITS vs. primary residence and/or rental units

I concur. I own farm land and am not intested in any further real estate.
by nodenuff2
Wed Nov 06, 2013 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: REITS vs. primary residence and/or rental units
Replies: 14
Views: 1591

Re: Poll: How conservative/aggressive is your AA for your ag

63 and 50% moderate. Just an average boglehead. Right in the sweet spot.
by nodenuff2
Thu Oct 31, 2013 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How conservative/aggressive is your AA for your age?
Replies: 106
Views: 7048

Re: INVESTING A LUMP SUM PENSION PAYOUT

Please post your other investments .How are they invested? It will also help if you determined your Asset Allocation. Start in the wiki. Lots of good information. Read, read ,read. I would encourage you to be sure you can handle the lump sum as opposed to a guareented monthly income. Your post indic...
by nodenuff2
Wed Oct 30, 2013 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in a lump sum pension payout.
Replies: 11
Views: 658

Re: Milestones - Would you have reached it without the "extr

Atheltics paid for 2 years of undergrad. Mom, Pop and I the rest. Married while in college. Got out of college without debt between working offshore in the oil fields and Mom and Pop. Joined hte Natioal Guard. Uncle Sam paid for the first child total cost 28.00 Went to work for an insurance company ...
by nodenuff2
Wed Oct 30, 2013 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Milestones - Would you have reached it without the "extra"?
Replies: 58
Views: 4140

Re: What category does rent income fit into??

Farm rent would be very pension like if the renter is stable from year to year? Presumably you want to leave the land to your heirs. Consider the rent as increasing your monthly cash flow. Deduct monthly cash needs from SS and rent what is left is what you need from other assets. Only you can decide...
by nodenuff2
Mon Oct 28, 2013 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: What category does rent income fit into??
Replies: 7
Views: 398

Re: Poll For Those Who Don't Have a LTC Policy

Rejected heart surgery.
by nodenuff2
Mon Oct 28, 2013 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll For Those Who Don't Have a LTC Policy
Replies: 34
Views: 2246

Re: How to Approach Getting New Wood Flooring

Dealing with your insurance company can be a problem. Schedule a sit down meeting with the assigned adjuster. Have him explain in detail why it is or is not covered. Be nice but persistent.make you case that the repair to the plumbing is not covered then at least the damage done to access the repair...
by nodenuff2
Fri Oct 25, 2013 9:18 am
 
Forum: Personal Consumer Issues
Topic: How to Approach Getting New Wood Flooring
Replies: 20
Views: 1696

Re: [Major hail damage on new car. What should insurance do

Obivously here the mistake is in selecting the wrong deductible. I would correct that now. If you were not willing to absorb the 2k deductible why did you select it? If you had a 500. or even 1000. deductible what would you do? Select a very reputable repair shop that is IICAR certified to make the ...
by nodenuff2
Fri Oct 25, 2013 8:34 am
 
Forum: Personal Consumer Issues
Topic: [Major hail damage on new car. What should insurance do?]
Replies: 6
Views: 901

Re: Aftershock investor- an anti boglehead read

In 1974 I bought my first house was a poor credit risk and paid 10% interest. Moved in 1984 interest on that house was 15%. Those were tough years for young accumaltors. My dad was putting his CD's to work at 16%. Tied his money up for as long as he could. Rural land values plummeted. Anything did t...
by nodenuff2
Thu Oct 24, 2013 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Aftershock investor- an anti boglehead read
Replies: 17
Views: 2540

Re: Helping Parents - Retirement Planning

Start with the wiki .Buy a couple of books for him to read. Help him develope a written investment plan . Let him pick an asset allocation to meet his needs . He just needs help in getting started. Encourage him to look at this site to learn more. Once he has his asset allocation figured out people ...
by nodenuff2
Thu Oct 24, 2013 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping Parents - Retirement Planning
Replies: 3
Views: 639

Re: Annual termite inspection / retreatment. Stumped in Rale

Just a neighborly warning . Homeowners insurance does not and can not cover termite damage. No endorsement can add to that. Basic exclusion in every HO policy I have ever looked at. Long time in the business.
by nodenuff2
Thu Oct 24, 2013 11:07 am
 
Forum: Personal Consumer Issues
Topic: Annual termite inspection / retreatment. Stumped in Raleigh.
Replies: 21
Views: 3301

Re: can I afford X?

Another question to ask yourself is "Could I keep it if I lost my job and it took 6 months to find another?"
by nodenuff2
Wed Oct 23, 2013 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: can I afford X?
Replies: 38
Views: 2219

Re: Anyone ever filed an un/under-insured motorist claim?

Browser UM/UI stands in the shoes of the at fault guy when his coverage is not enough to cover the damages done. Pain and suffering loss of enjoyment of life, permanent scarring/injury are not spelled out in a policy but are all part of Bodily injury claims. So are a lot of other damages types. Stat...
by nodenuff2
Wed Oct 23, 2013 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone ever filed an un/under-insured motorist claim?
Replies: 20
Views: 1462

Re: Improved Net Worth by Age [and plot]

+! for the hard work put in by those you developed this. Looking forward to the new improved version. it was gratifying to see that I am an average boglehead. Wow!
by nodenuff2
Wed Oct 23, 2013 9:11 am
 
Forum: Investing - Theory, News & General
Topic: Improved Net Worth by Age [and plot]
Replies: 250
Views: 38466

Re: Pension Rollover Questions

Leaving it further diversifies your fixed income. At retirement taking the pension will ease your cash flow requirements.
by nodenuff2
Tue Oct 22, 2013 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pension Rollover Questions
Replies: 5
Views: 452

Re: Discount for remodel project delays and bad cust service

A signed contract is enforcable. i would discuss this with him calmly. Come to some agreement even if it meant holding up to my side of the bargain without cost adjustmentand. Then move on. You did state you were satisfied with the final product.
by nodenuff2
Tue Oct 22, 2013 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Discount for remodel project delays and bad cust service?
Replies: 5
Views: 461

Re: Giving notice...how much time?

Just signed my first notice. Gave just over 3 months notice. Seemed about right. Company needs time to plan on how and who to distribute my workload. Jan. 31 and I am done.
by nodenuff2
Sat Oct 19, 2013 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving notice...how much time?
Replies: 55
Views: 4746

Re: energy co wants to buy mineral rights

You never ever want to become liable for part of the drilling costs. In my state if you do not agree and lease they can drill anyway and if it is a dry hole they can and will asses you a portional share of drilling costs. Wells costs here are 10m each. Always agree to lease in an active area. Also n...
by nodenuff2
Fri Oct 18, 2013 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: energy co wants to buy mineral rights
Replies: 29
Views: 3107
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