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  1. Herkster5

    What I'm drinking tonight

    BV and water, because I keep forgetting to go to the damn liquor store for anything better. Dammit...
  2. Herkster5

    Windmills in Iowa

    I'm not saying I'm 100% right, just my first hand experience. Also, we've had a lot of tile issues in our area when they went up, but that's to be expected. Compaction, certainly isn't much of a way around that though...
  3. Herkster5

    Windmills in Iowa

    While I don’t have any personally, I insure probably close to 100,000 acres around my local area. On those acres, there are several wind farms and I’ve never had to list a turbine company as an additional insured on a single policy. Any ground tile will certainly be ****ed though. Gravel...
  4. Herkster5

    Financial precipice

    Oh, I'm aware, and yes, he wouldn't advise me to do that. But there is nothing wrong with me moving my salary to what minimum wage would be, and taking distributions for the rest of my earnings. Hell, might even get myself on Medicade and free school lunches that way! Ok, ok, I wouldn't...
  5. Herkster5

    Financial precipice

    I can afford to pay higher taxes, but I don't want to either. You can go ahead and donate some extra cash as you see fit, but myself, as well as other business owners, will take the tax code to our advantage. Should there be a tax reform? I guess that's up to everyone's own opinion, but I...
  6. Herkster5

    Financial precipice

    What percentage is "virtually no tax"? Honestly curious. And, on top of that, what would you like to see the tax brackets look like, in your world? Are you talking both changing how corporations are taxed, as well as W2 wage earners? How do you purpose to fix it, in your best case scenario?
  7. Herkster5

    Moving my Mom into assisted living …

    Anyone wanna buy some long-term care? Both my grandparents went to the nursing home as well, lived there for several years. They had a policy in place, and it quite literally saved the farm land they owned. Not a fun premium to pay, but it does a good job at protecting other assets.
  8. Herkster5

    How much cash do you keep in your house?

    I think we’ve got like $1,500 right now? Usually ranges from 1k-5k? No real reason why either, but it is nice to have around
  9. Herkster5

    auto insurance rates jumped 20%

    Oh, it’s certainly bad business practices. Insurance companies kicked the can down the road for far too long, and then were bit with the combination of high loss ratios and inflation. Instead of underwriting risks like they should, they were focused on strictly growth and not limiting their...
  10. Herkster5

    auto insurance rates jumped 20%

    Hey, it's not a fun market right now. In Iowa alone, we lost 13 or 14 Mutual property insurers either through closing their doors or being acquired. I have several carriers who aren't accepting any new property insurance risks, auto carriers who won't touch a new quote that has a loss in the...
  11. Herkster5

    Ever have a kid repeat a grade?

    My son was born late August, and we decided Pre-K was the right move for those very reasons. He is smart enough to be in Kindergarten, but the reality as they grow and mature, they are still going to be almost a year younger than the older kids in the class. We we had our conferences to start...
  12. Herkster5

    Bald Eagles

    Have 30-50 that hang out in a field next to one we farm. Local hatchery puts egg shells in that field. Crazy fun to watch
  13. Herkster5

    Plumbing advice - Update

    Yeah, plenty of companies have service line endorsements to cover your drain pipe from the house to the main. I think most of my carriers cap at 10k or 15k, don’t remember off hand. It’s a pretty common coverage
  14. Herkster5

    Anyone get any birds today?

    Should have taken the day to pheasant hunt, but ended up chasing deer around, until I realized my muzzy scope was ****ed up, yet again. Tag soup #2 for the season...
  15. Herkster5

    First big winter storm set to hit midwest

    In floor garage heat for the win! Though, I do love kicking them off. Even more satisfying when they are a little melty and splat onto my garage floor.
  16. Herkster5

    Anyone get any birds today?

    Yeah, it was a tough year with the nice weather. Have a couple secluded spots that usually hold birds that we found nothing in several different times. Tough sledding for sure this year, but we found birds, just had to work for them.
  17. Herkster5

    Anyone get any birds today?

    Hunted a dredge then a CRP field in kossuth county.
  18. Herkster5

    Anyone get any birds today?

    Hunted Saturday, took 12 roosters over the course of a few hours. Had a dog get lost for a portion of the day, or we’d have bagged quite a few more. Time spent looking for the dog was worth it, located him in the CRP field, in a ball, sleeping. Talk about finding a needle in a haystack… Edit to...
  19. Herkster5

    Friday night watcha drinking?

    Johnny Walker Black tonight
  20. Herkster5

    Haircuts

    $65 including 20% tip? I think....
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