Search found 189 matches

Return to advanced search

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 9:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Consequences of a failed HO insurance company...
Replies: 12
Views: 932

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 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thank all for helping with my retirement 01.31.2014
Replies: 2
Views: 557

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 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Negotiating with Insurance (Subrogation Claim)
Replies: 16
Views: 1229

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 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 7180

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 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sacrificing career for family
Replies: 40
Views: 4408

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 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 8509

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

My best guess is another good year 2042.04
by nodenuff2
Wed Jan 01, 2014 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 10621

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 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help me with the biggest decision of my finacial life
Replies: 20
Views: 3781

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 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Christmas time acomin'
Replies: 7
Views: 1302

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 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quitting work
Replies: 63
Views: 6538

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 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vehicle Allowance or Company Vehicle?
Replies: 17
Views: 530

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 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: Timber [Tracts as part of a portfolio]
Replies: 27
Views: 1918

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 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: How many are pro's?
Replies: 9
Views: 922

Re: Umbrella coverage for lawsuits

Best answer is Trimms. Not to say thothers aren't ok.
by nodenuff2
Thu Dec 12, 2013 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella coverage for lawsuits
Replies: 34
Views: 3033

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 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance: Letting a friend borrow my car
Replies: 14
Views: 1084

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 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance: Letting a friend borrow my car
Replies: 14
Views: 1084

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 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should a pay raise offer be negotiated?
Replies: 20
Views: 1797

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 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Tractor for my 12 Acre Horse Farm
Replies: 28
Views: 2153

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 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Tractor for my 12 Acre Horse Farm
Replies: 28
Views: 2153

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 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: REITS vs. primary residence and/or rental units
Replies: 14
Views: 1549

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 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How conservative/aggressive is your AA for your age?
Replies: 106
Views: 5888

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 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in a lump sum pension payout.
Replies: 11
Views: 585

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 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Milestones - Would you have reached it without the "extra"?
Replies: 58
Views: 4065

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 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: What category does rent income fit into??
Replies: 7
Views: 384

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

Rejected heart surgery.
by nodenuff2
Mon Oct 28, 2013 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll For Those Who Don't Have a LTC Policy
Replies: 34
Views: 1987

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 10:18 am
 
Forum: Personal Consumer Issues
Topic: How to Approach Getting New Wood Flooring
Replies: 20
Views: 1368

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 9:34 am
 
Forum: Personal Consumer Issues
Topic: [Major hail damage on new car. What should insurance do?]
Replies: 6
Views: 812

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 10:48 pm
 
Forum: Investing - Theory, News & General
Topic: Aftershock investor- an anti boglehead read
Replies: 17
Views: 2457

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 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping Parents - Retirement Planning
Replies: 3
Views: 616

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 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Annual termite inspection / retreatment. Stumped in Raleigh.
Replies: 21
Views: 2615

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 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: can I afford X?
Replies: 38
Views: 2176

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 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone ever filed an un/under-insured motorist claim?
Replies: 20
Views: 1340

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 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Improved Net Worth by Age [and plot]
Replies: 250
Views: 37416

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 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pension Rollover Questions
Replies: 5
Views: 414

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 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Discount for remodel project delays and bad cust service?
Replies: 5
Views: 438

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 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving notice...how much time?
Replies: 55
Views: 4686

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 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: energy co wants to buy mineral rights
Replies: 29
Views: 2729

Re: Should I help my sister financially?

Mike Tyson once said "Everyone has a plan until they are hit in the face." Saying not to mix money and family is fine until they need it. 1. Continue to help her gain an idea of where her money is going. 2. Encourage her to develope her own idea on what is right for her share on the house....
by nodenuff2
Thu Oct 17, 2013 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I help my sister financially?
Replies: 26
Views: 3111

Re: POLL: What is your rate of return YTD?

AA is 50/50 Stocks up 17% Fixed income .78 Combined 8.89 at 63 very happy.
by nodenuff2
Thu Oct 17, 2013 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: What is your rate of return YTD?
Replies: 89
Views: 6153

Re: How Much (est) For A Home Addition?

My estimate would be budget for 75k be prepared to spend 100k, They always run over. Too much for a do it yourself project. Will take a genereal contractor with electrical, Hvac, plumbing foundation rough carpentry and finish carpenters and masons. My suggestion is spend a lot of time figuring our e...
by nodenuff2
Wed Oct 16, 2013 9:36 am
 
Forum: Personal Consumer Issues
Topic: How Much (est) For A Home Addition?
Replies: 17
Views: 1757

Re: homeowners insurance

mbres60, Wow 30 years without a claim ! Your carrier out to love you. The chances are higher that going forward you will have a claim event. No fire wind, hail, lightening, waterpipe leak, theft, etc. in all those years. The insurance company would say you are due to have one of these events soon. I...
by nodenuff2
Tue Oct 15, 2013 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: homeowners insurance
Replies: 12
Views: 1100

Re: Christmas time acomin'

Yeah your right. I wanted to brag about them then thought better of it. One is a self employed lawyer. Other is a research chemist in a petroleum enviorment. Both are conservative but ole dad thinks they need a little light reading to help rather than "this is what I think".
by nodenuff2
Mon Oct 14, 2013 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Christmas time acomin'
Replies: 7
Views: 1302

Christmas time acomin'

This Santa is looking for opinions for the best investment book to stuff a stocking with for my middle aged children.
by nodenuff2
Mon Oct 14, 2013 3:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Christmas time acomin'
Replies: 7
Views: 1302

Re: Lump Sum pension: risk to continuing work after eligible

Surfin, from 55 to 64 mine tripled in lump sum and went up 240% in monthly income. Those last years are where it pays to stay. Do your homework on your plan. Understand how it is computed.Good luck hang in there.
by nodenuff2
Wed Oct 02, 2013 10:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum pension: risk to continuing work after eligible?
Replies: 28
Views: 2442

Re: How much would you pay for a used car?

Thought about a good used engine from some reputable salvage yard?
by nodenuff2
Mon Sep 30, 2013 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much would you pay for a used car?
Replies: 9
Views: 894

Re: Lump Sum pension: risk to continuing work after eligible

i am sure you have looked at the formula for determining your lump sum. As your salary goes up,you stay another year and get another year older all those factors should offset the upturn in interest. That said you are getting a very low rate. Mine was set in May. I'll go before it changes. Age 64
by nodenuff2
Mon Sep 30, 2013 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum pension: risk to continuing work after eligible?
Replies: 28
Views: 2442

Re: Post-Retirement Investing

If itis within the free look period cancel first thing Monday morning. More important than going to work Monday to get this straightened out. My suggestion would beto put all in Vangard target retirement income. Set it and forget it.
by nodenuff2
Sun Sep 29, 2013 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Post-Retirement Investing
Replies: 17
Views: 1726

Re: How Close Are You To Your Number and Financial Independe

We hit the number 2 years ago but I was not ready to quit working. Now I am ready, better off financially and waiting for the big ball to drop so I can say so long to the corporate grind. I have been very blessed. ready for the next chapter of life. Will miss my work friends though.
by nodenuff2
Fri Sep 27, 2013 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Close Are You To Your Number and Financial Independence?
Replies: 71
Views: 6195

Re: How to accumulate 90K for Land

Federal Land Bank or similar institutions come to mind as a possible lender. Check with a local county argicultural agent to see who is lending in your area. All lenders now will require a 30% down payment so the borrower will have some skin in the game. Best option is an owner finance deal but they...
by nodenuff2
Fri Sep 20, 2013 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: How to accumulate 90K for Land
Replies: 10
Views: 1162

Re: Happiness and the pooling of marital assets

We married at 20 and 19 a mere 43 years ago. Never was or will be yours or mine just ours tough times good times no matter. Inheritances included.
by nodenuff2
Wed Sep 18, 2013 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Happiness and the pooling of marital assets
Replies: 58
Views: 5227
Next

Return to advanced search