Search found 131 matches

by IMADreamer
Tue Dec 19, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: US National Parks
Replies: 36
Views: 3908

Re: US National Parks

I've been to all of them and being of the type that hates crowds, I tend to go during the off seasons and hit the nearest trail when I'm there. Probably 99.9% of the visitors never hike more than a 1000 feet down any of the trails and it is like a totally different world beyond the roads and parkin...
by IMADreamer
Wed Oct 04, 2017 9:46 pm
Forum: Investing - Theory, News & General
Topic: business owner, what is your income from business and how did you get into successfully business, what's your networth?
Replies: 17
Views: 3619

Re: business owner, what is your income from business and how did you get into successfully business, what's your networ

Left work as a bank accountant. Boring/low pay. Bought a run down studio apartment over 40 years ago while just starting my commercial construction company. Rented the apartment out for cheap. Things just kept going from there. Work, buy more. Rinse. Repeat. Never felt successful nor had enough &qu...
by IMADreamer
Thu Sep 21, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 35022

Re: Calling out the not so rich bogleheads

A lot of people here are pointing out net worth which I guess is a measure of a man of sorts but I'm actually a pretty high net worth person, not compared to you guys, but compared to mortals because of my business interests but my yearly take home income makes me feel pretty average. In fact I sort...
by IMADreamer
Wed Sep 20, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 35022

Re: Calling out the not so rich bogleheads

I delivered packages for 30 years then retired at age 55, highest annual income was less than $70K. My no-COLA pension, my SS at age 70, and 4% of my portfolio, are each near the same number. When the 401k opened at my employer in the early 1980s, one of the equity fund choices was an S&P500 fu...
by IMADreamer
Tue Sep 19, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Let's talk about your FI # and family income [Financial Independence]
Replies: 183
Views: 24890

Re: Let's talk about your FI # and family income [Financial Independence]

flyingaway wrote: Tue Sep 19, 2017 2:40 pm I am impressed by the house incomes ($200K ~ $400K) posted here. Where are the average Joes?
There are only two of us on the whole forum. Everyone else makes bank.
by IMADreamer
Sun Sep 17, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Let's talk about your FI # and family income [Financial Independence]
Replies: 183
Views: 24890

Re: Let's talk about your FI # and family income

This threads crack me up. You guys with deep six figure incomes and you are trying to figure out retirement and such. This forum is infuriating sometimes. If I made mid six figures I'd be retired in three years and on a hillside somewhere over looking nature enjoying the hell out of life. As a small...
by IMADreamer
Wed Jun 28, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Can you share some of your financial goals?
Replies: 68
Views: 11265

Re: Can you share some of your financial goals?

My goals are probably silly compared to most of your guys as they are a bit more materialistic and you big earners are going to laugh. I'd like my business to gross 200k this year, almost there last year. I'd like my side business to gross 12k this year. I want to have my commercial mortgage paid of...
by IMADreamer
Mon Jun 12, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Any advice on buying headstone for a grave?
Replies: 22
Views: 4193

Re: Any advice on buying headstone for a grave?

Thanks everyone for their advice especially IMADreamer. Some answers below: - This cemetary seems to have mostly vertical headstones so a flat one would seem out of place. - Note that the vertical headstone sits on a granite base, and that granite base sits on a concrete foundation. So it shouldn't...
by IMADreamer
Mon Jun 12, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Any advice on buying headstone for a grave?
Replies: 22
Views: 4193

Re: Any advice on buying headstone for a grave?

Would it be practical to buy a slab of granite from a monument store, and keep it in my garage? My wife would be creeped out if I did all the engravings now. The only issue is that I haven't nailed down my eventual location - and each cemetery has its own specs, right? I guess I could always sell t...
by IMADreamer
Mon Jun 12, 2017 12:13 am
Forum: Personal Consumer Issues
Topic: Any advice on buying headstone for a grave?
Replies: 22
Views: 4193

Re: Any advice on buying headstone for a grave?

Sadly, particularly bronze theft is very much a thing, especially in rural cemeteries. Also vases and flowers are pretty commonly stolen. Would a marble or granite marker be preferable, then? I wouldn't mind getting started on the design now, though I hopefully have a few more decades. Definitely g...
by IMADreamer
Sun Jun 11, 2017 11:26 pm
Forum: Personal Consumer Issues
Topic: Any advice on buying headstone for a grave?
Replies: 22
Views: 4193

Re: Any advice on buying headstone for a grave?

This probably doesn't apply to you, but in my area, the metal grave markers have largely been "stolen" and probably sold as recyclables. There was recently a case where a young woman's grave was repeatedly robbed. Nothing that was stolen was particularly valuable; it was solar lights and ...
by IMADreamer
Sun Jun 11, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Any advice on buying headstone for a grave?
Replies: 22
Views: 4193

Re: Any advice on buying headstone for a grave?

Hi, this is my business so I think I can be of help. Which gray granite are they using? Elberton (Georgia Gray) or Barre Gray? Both are fine quality btw, the difference being Elberton Gray should be cheaper. I assume the imported is China gray and when it's polished it actually resembles Barre Gray ...
by IMADreamer
Sun May 28, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: When does Saving become missing out on life?
Replies: 74
Views: 11677

Re: When does Saving become missing out on life?

If I may offer some personal experience here as a regular guy who doesn't make a ton of money, has no debt, and didn't do much living when I was younger. The love of my life and I were frugal and savers. We wanted to not have to worry about anything when we were older and we always thought there was...
by IMADreamer
Wed Mar 15, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Preparing financially for our funerals - prepay or not?
Replies: 113
Views: 13793

Re: Preparing financially for our funerals - prepay or not?

While not a funeral home I own a memorial shop, you know making headstones and the like. My advice is to prepay because what happens if you don't is your spouse or your family is going to come in and over spend. No hard selling here, it's just the emotion of it all. They want you to have the best an...
by IMADreamer
Tue Jul 05, 2016 8:15 pm
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 368
Views: 41774

Re: What kind of car are you driving?

If your winters are cold you should be swapping out the pilots. They make your car a death trap. They are, and I certainly do. Looking back thru the thread, Michelin Pilot SS's are a death trap? Oh dear. These are God's Gift to the driver, like no other. What you do with them on icy roads I have no...
by IMADreamer
Thu Apr 05, 2012 8:50 pm
Forum: Investing - Theory, News & General
Topic: Iowa farmland vs. S&P, 1950-2011
Replies: 39
Views: 6269

Re: Iowa farmland vs. S&P, 1950-2011

Very interesting. Now and then I hear city slickers wanting to "invest" in farmland. I'm not sure what to think of it. I came across this way to invest in farmland: Agrinuity . (No association with me, just found via Google). You will notice the cherry-picked graph on the link provided (1...
by IMADreamer
Sun Jan 15, 2012 9:48 pm
Forum: Investing - Theory, News & General
Topic: From WSJ - Target Funds Miss Their Marks -- Again
Replies: 45
Views: 4630

Re: From WSJ - Target Funds Miss Their Marks -- Again

I know this site is full of bootstrappers and investing pros that are far better investors then all the pros :roll: but for those of us who are not super human the Target funds make sense. It's as simple as this. I'm spending most of my time running my business, looking for new opportunities, taking...
by IMADreamer
Fri Jan 13, 2012 1:42 am
Forum: Personal Consumer Issues
Topic: Twenty-one hour work week
Replies: 68
Views: 6254

Re: Twenty-one hour work week

20 hours would be great for the country. Everyone would make less, the economy would completely tank since no one could afford to live, half the country would be homeless and then finally, just maybe finally, we'd actually fix this broken down jalopy that we call America.
by IMADreamer
Mon Jan 09, 2012 10:27 pm
Forum: Personal Investments
Topic: Do you have to have money to make money?
Replies: 36
Views: 4938

Re: Do you have to have money to make money?

Sorry for being slow to return, I had a family emergency to deal with. I guess I should clarify a few things. I left my hometown for college and work and was doing fine. I was making ok money in a job with benefits, etc and all was pretty well. However I wanted to come home and do something here. I ...
by IMADreamer
Fri Jan 06, 2012 6:49 pm
Forum: Personal Investments
Topic: Do you have to have money to make money?
Replies: 36
Views: 4938

Do you have to have money to make money?

This probably sounds like a stupid question or maybe one with an obvious answer but it seems like if you don't have money, you have little chance of actually making money. Let me explain. I'm a worker, I grew up working on my families farm, then went off to school got a job, etc. Several years ago I...
by IMADreamer
Wed Jan 04, 2012 1:11 am
Forum: Personal Investments
Topic: Farmland as an investment
Replies: 39
Views: 5543

Re: Farmland as an investment

BTW the ethanol subsidies thing isn't going to have that big of an effect on the farmer and corn prices. Sorry to burst the anti farmer bubbles out there. I know a lot of you are rooting for the American farmer to fail. Good grief, why would anyone want the American farmer to fail? Many of us are o...
by IMADreamer
Tue Jan 03, 2012 10:23 pm
Forum: Personal Investments
Topic: Farmland as an investment
Replies: 39
Views: 5543

Re: Farmland as an investment

Farm prices are in a bubble right now I'm pretty sure. My family farms and there has been a huge influx of rich people from the city buying up ground. A land auction right next to us found land selling for $13250 an acre. Cash rent values are near $500 an acre. That is all fine and well when corn is...
by IMADreamer
Sun Nov 20, 2011 2:23 pm
Forum: Investing - Theory, News & General
Topic: Many Americans say they will have to work until they're 80
Replies: 101
Views: 9276

Re: Many Americans say they will have to work until they're

I agree it's dangerous to overgeneralize that just because people can't save, that they're either lazy or reckless spenders. I've seen firsthand a lot of folks who grew up in disprivileged low-income areas who simply never got a realistic chance to climb out of poverty. yes, but on the other hand, ...
by IMADreamer
Sat Nov 19, 2011 10:02 pm
Forum: Investing - Theory, News & General
Topic: Many Americans say they will have to work until they're 80
Replies: 101
Views: 9276

Re: Many Americans say they will have to work until they're

Quite a few harsh and judgmental posts to this thread. None of which help move the ball down the field. Welcome to America where if you aren't just like someone, aren't wealthy, and hugely successful then you must be a lazy, no good, worthless, mouth breathing, knuckle dragging, neanderthal. Don't ...
by IMADreamer
Fri Nov 11, 2011 7:46 pm
Forum: Personal Consumer Issues
Topic: How Do You Deal with Status Anxiety?
Replies: 95
Views: 10492

Re: How Do You Deal with Status Anxiety?

For me it's not a jealousy of worth if they've earned it. In fact I'm quite happy for the hard workers out there who now have lots of wealth. It's the lazy A^*es of the world that have a lot of money that I have a hatred for. I won't lie I'm surrounded by them and it routinely makes a bad day for me...
by IMADreamer
Fri Nov 11, 2011 7:33 pm
Forum: Personal Investments
Topic: Helping a friend on disability invest
Replies: 11
Views: 1256

Re: Helping a friend on disability invest

I thought net worth was severely limited to those collecting SSDI and wishing to continue? I honestly have no idea, that's why I'm asking. I'm pretty sure he's hoping that at some point he can get a good job and get off SSDI and that's why he's trying to get something going now investment wise. I j...
by IMADreamer
Fri Nov 11, 2011 7:24 pm
Forum: Personal Investments
Topic: Helping a friend on disability invest
Replies: 11
Views: 1256

Helping a friend on disability invest

Hello gang, a good buddy of mine had an accident a while back and is unfortunately on disability. He's pretty lucky in that he owns his home and has no debt so at the end of the month he actually has a little money left over. Also he's able to do a little work for me on a limited basis. At lunch tod...
by IMADreamer
Sun Aug 21, 2011 7:29 pm
Forum: Personal Consumer Issues
Topic: Do you need your faith in our youth refreshed?
Replies: 35
Views: 3991

What's compound interest? I'm getting like 1.8% on everything. I blame the boomers for that too. :lol:
by IMADreamer
Sun Aug 21, 2011 1:06 pm
Forum: Personal Consumer Issues
Topic: Do you need your faith in our youth refreshed?
Replies: 35
Views: 3991

i am 21, so i am way more worried about the boomer generation which is shaping up to be one of the most selfish in history. They seem willing to bankrupt the country in order to get "their fair share" of entitlements like SS and Medicare. In addition, the large deficits run up to pay for ...
by IMADreamer
Fri Aug 19, 2011 11:07 am
Forum: Personal Consumer Issues
Topic: Anyone else not enjoy going out?
Replies: 68
Views: 12813

I'm a home body for sure or if I go out I prefer a nice drive alone. I love to blast down a backroad just letting all my troubles bellow out the exhaust. :) I'm 30 btw, and I probably only have 5-6 actual friends that I care to hang out with and I don't even do that all too often. I hate clubs, bars...
by IMADreamer
Mon Aug 01, 2011 3:49 pm
Forum: Personal Consumer Issues
Topic: Which chain restaurants do Bogleheads enjoy?
Replies: 124
Views: 21223

We don't eat out too much but I do enjoy a good burger. Oddly I think Ruby Tuesdays makes my favorite of the trendy chain places. It's so sweet and I think they must put something in it to make me crave it fort nightly.
by IMADreamer
Mon Aug 01, 2011 3:45 pm
Forum: Personal Consumer Issues
Topic: Does anyone here NOT like traveling?
Replies: 153
Views: 17428

I'm not much of a fan of it myself. I hate hotels and not sleeping in my own bed. I do enjoy seeing things that I haven't seen before but all the other hassle is a big enough turn off for me not to like it. In 2008 we went to NYC, we drove which wasn't bad. However we had such an awful time in NYC I...
by IMADreamer
Fri Jul 29, 2011 10:04 am
Forum: Personal Consumer Issues
Topic: Have you been present at the moment of someone's death?
Replies: 42
Views: 5486

A few times unfortunately. The ones with long term illnesses, my Uncle, Grandfather, and cousin it was peaceful. They had went to sleep a day or two earlier and never woke up. When they actually died I remember seeing their face make a few movements and then relax and that was it. The sudden deaths ...
by IMADreamer
Thu Jul 28, 2011 12:54 pm
Forum: Personal Consumer Issues
Topic: window tinting for home and commercial use
Replies: 7
Views: 1438

I would love to plant trees but here at the office the front is all parking lot. :( So that's not really an option. I've considered an awning but I don't know that I'm a fan of that solution.

Anyway, thanks guys for the suggestions. I have a starting point now.
by IMADreamer
Tue Jul 26, 2011 9:48 pm
Forum: Personal Consumer Issues
Topic: window tinting for home and commercial use
Replies: 7
Views: 1438

window tinting for home and commercial use

Hello all, I've run into a problem with my office. There are two giant windows that face the south with no shade at all. Someone suggested I tin them but I have no idea what to look for, if that stuff even works, or whatever. I know I have to do something, it easily makes the building 10-20 degrees ...
by IMADreamer
Tue Jul 26, 2011 6:01 pm
Forum: Personal Consumer Issues
Topic: Honda Accord vs Toyota Camery
Replies: 26
Views: 3785

Neither, but enjoy whichever soulless, lifeless, people mover you choose to park in the garage at your cookie cutter house in your subdivision. Be sure to get it in silver so you can be like everyone else!


I'm partly joking btw.
by IMADreamer
Tue Jul 26, 2011 5:45 pm
Forum: Personal Consumer Issues
Topic: Budget Negotiations
Replies: 2
Views: 728

I think this thread may get locked because football discussions would surely get more heated then any political junk. lol jk Man I can't wait to see some football, we were working on my shop yesterday when it was announced a deal was done and myself and one of my employees high fived each other. I'm...
by IMADreamer
Tue Jul 26, 2011 3:26 pm
Forum: Personal Consumer Issues
Topic: How do you handle a windfall?
Replies: 23
Views: 3286

If I unexpectedly come across some money (which has been very rare in my life) I treat it as the opposite of money I've earned. For example earned money I take 20% off the top for saving and investing then budget from there. With a windfall I save or invest the 80% and use the 20% for my fun budget.
by IMADreamer
Tue Jul 26, 2011 9:41 am
Forum: Personal Consumer Issues
Topic: Who does their own oil changes?
Replies: 51
Views: 6235

I just want to reiterate the safety aspect. I prefer ramps for oil changes simply because it's a time saver. So yes be sure to use your ebrake and block the car. If you do use a jack, please use stands. Most people get into trouble when they just use the jack, the jack falls or lets go and that pers...
by IMADreamer
Tue Jul 19, 2011 10:43 am
Forum: Personal Consumer Issues
Topic: Building your own coffin?
Replies: 35
Views: 3837

Since you mentioned you're going to be cremated, I can't think of why you couldn't, and maybe I'm twisted too, but I think it's pretty funny and would be a great conversation piece. I know that in my state, the funeral home will try to sell you a "rigid container" for the cremation, as it...
by IMADreamer
Mon Jul 18, 2011 11:06 am
Forum: Personal Consumer Issues
Topic: How do you deal with success?
Replies: 100
Views: 12716

How do you deal with success when most of the people that you know in life are just scraping by? I'd like to be able to talk about the things happening in my life with my friends outside of my professional life, but more and more I feel awkward doing this because most of the people I know are strug...
by IMADreamer
Sun Jul 17, 2011 10:37 pm
Forum: Personal Consumer Issues
Topic: moving to a cash back rewrads card, credit score ?
Replies: 5
Views: 695

oh I didn't realize that. Thank you very much for the tip.
by IMADreamer
Sun Jul 17, 2011 10:06 pm
Forum: Personal Consumer Issues
Topic: moving to a cash back rewrads card, credit score ?
Replies: 5
Views: 695

Hi IMADreamer, I'm not sure I understand your intentions. Do you want to close your old credit card account and open a new credit card account? That would eventually have a negative impact on your credit score. However, you could simply open up a new credit card account without closing the old one....
by IMADreamer
Sun Jul 17, 2011 9:23 pm
Forum: Personal Consumer Issues
Topic: moving to a cash back rewrads card, credit score ?
Replies: 5
Views: 695

moving to a cash back rewrads card, credit score ?

Hi all, I hope this is the right place to ask. My student loan provider is offering me a cash rewards card that would be 3% on gas and groceries and 1% on everything else with no annual fee. My concern is changing from my current card in which I have been with forever to this new card, will that hur...
by IMADreamer
Tue Jul 12, 2011 10:35 pm
Forum: Personal Consumer Issues
Topic: How do you deal with success?
Replies: 100
Views: 12716

Well I'm hardly successful compared to everyone on this board but my friends think I am because I'm young own my own business, etc. I simply prefer not to discuss my finances with them. We mainly talk about sports, cars, etc. If I were wildly successful I wouldn't want to make them feel like they we...
by IMADreamer
Mon Jul 11, 2011 11:02 am
Forum: Personal Consumer Issues
Topic: Anyone tried Google +?
Replies: 66
Views: 9989

I'm on the fence. I really don't care about connecting with anyone from my past that I'm already not in touch with, I don't like the idea of having my identity out there every where, and it just seems like another obligation. Actually I don't think I'm on the fence at all. I think I'll pass.
by IMADreamer
Fri Jul 08, 2011 11:51 am
Forum: Personal Consumer Issues
Topic: Last Shuttle Launch
Replies: 6
Views: 977

I have mixed thoughts. The whole space program to me over the last 30 30 years seems like a waste. I know we've done things, but we landed on the moon what 4 decades ago, what have we done since that really sparks the imagination?
by IMADreamer
Mon Jul 04, 2011 5:18 pm
Forum: Investing - Theory, News & General
Topic: The first $500,000 is always the hardest
Replies: 260
Views: 49588

Is the barrier to creating a small business these days a lot higher than it used to be? How much of someone's time has to go into dealing with paperwork and government regulation as opposed to actually working on the business itself? I do believe small business in general is the key to the future, ...
by IMADreamer
Sun Jul 03, 2011 8:27 pm
Forum: Personal Investments
Topic: advertising by Rick Ferri
Replies: 91
Views: 10603

I've always looked at Mr. Ferri's posts as free advice from a professional, not a professional advertising. I'll take free advice any day. :)
by IMADreamer
Fri Jul 01, 2011 10:29 am
Forum: Personal Consumer Issues
Topic: How much time are people "outside?"
Replies: 21
Views: 2923

As much as I can be and if we are including convertibles then alot. I love top down cruising. I like to work in the yard plus I help out on my families farm as much as I can so I get lots of outdoors time.