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Re: foreign sales people calling 5 times daily

The answer is simple:

1. Never answer a call when you don't recognize the number.
2. Once you do identify a bogus incoming number - block it.

Modern phone technology is great. :sharebeer
by Atilla
Thu Mar 20, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: foreign sales people calling 5 times daily
Replies: 41
Views: 2602

Re: Thoughts On Pre-Paid College Plans

In which state is this wonderful plan offered? If it was Illinois I wouldn't touch it with a 10 foot pole. Consider the desperation of the state's finances before investing. They can monkey with things like you would not believe.
by Atilla
Thu Mar 20, 2014 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts On Pre-Paid College Plans
Replies: 28
Views: 1924

Re: Supporting Family Members

My dad was recently forced into retirement and he and my mother both ahve a lot of debt. I'd like to help them financially. To make a long story short, can I give my father $2000 every month as a check without being taxed on this? If so, is there a better way to arrange this. Initially, I was just ...
by Atilla
Tue Mar 18, 2014 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Supporting Family Members
Replies: 30
Views: 1689

Re: Car Buying Strategy

All I have to say is - at 4 to 5 years old I would not rule out a domestic model as long as reliability ratings and reported actual outcomes from owners are decent. Build quality from American makers has come a long way. Heck - I was a committed [(Japanese) --admin LadyGeek] vehicle owner until 2007...
by Atilla
Wed Mar 12, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Car Buying Strategy
Replies: 46
Views: 3781

Re: Favorite gadgets?

Taurus 627 Tracker
by Atilla
Wed Mar 12, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Favorite gadgets?
Replies: 28
Views: 1517

Re: Tipping for take out

I spent the first few years of my working life sweating in a kitchen and never got jack for a tip. If the person throwing the food down on your table at a sitdown dinner deserves a tip, the guy making your carryout deserves a buck or two.
by Atilla
Sun Mar 09, 2014 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 57
Views: 4543

Re: Staying the Course has never been harder

I don't know if this helps...but at the end of 2007 my wife and I peaked with our 80/20 retirement portfolio, 6 months later it was about the same - within $2,000. It hit bottom in February 2009 but we did nothing...no panic changes. The downside - my wife was jobless the first half of 2009 so we bo...
by Atilla
Sat Mar 08, 2014 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: Staying the Course has never been harder
Replies: 45
Views: 4630

Re: What video games are you currently playing?

My son and I pack watermelons with tannerite explosive and shoot them with a .308 bolt action rifle. It's a riot. :D
by Atilla
Fri Mar 07, 2014 5:46 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4195

Re: What was your dumbest financial decision?

Mine was spending more than I earned my entire life until 35 years old.
by Atilla
Thu Mar 06, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 8335

Re: The dealership wants my 2 year old car back?

Yeah - I used to do this. Sales manager gives you a list of people who bought a car 2-4 years previously and you call saying you have a buyer/dealership needs used cars. It's just a way to drum up new car sales.

It actually worked.
by Atilla
Thu Mar 06, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: The dealership wants my 2 year old car back?
Replies: 46
Views: 4265

Re: Want to buy but can't find the "right" vehicle - what to

I hear ya. Currently driving a Hummer I plan to keep for a couple more years. After that I don't know what I'll do - it's like nothing else and no other SUV trips my trigger. I have half a mind to say screw it and get a late model used G37X when the time comes and just go in a totally different dire...
by Atilla
Tue Mar 04, 2014 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy but can't find the "right" vehicle - what to do?
Replies: 74
Views: 3381

Re: What to say to Non-Savers

Those non-saving family members....keep your trap shut around them and do not let on you are saving for a comfortable retirement.
by Atilla
Mon Mar 03, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5173

Re: Cheap ammo

Every American should have a 10/22 handy. My dad gave me mine when I was 13 and over 30 years later it shoots like new with many thousand of rounds put through it. There is nothing more American to own than a good old 10/22 to have and use and to teach your kids with. For the price you can't beat th...
by Atilla
Sun Mar 02, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 26
Views: 2223

Re: Cheap ammo

You won't find any cheap 22 rimfire ammunition anywhere, so forget about it.

9MM and 45 ACP can be found in relative cheap abundance online at places like cheaperthandirt.com and luckygunner.com. I am sure there are other online sources but those are the two I have used.
by Atilla
Sun Mar 02, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 26
Views: 2223

Re: Concerns re: Relocating to Illinois (Chicago)

The whole Chicago area is a huge economic engine; and the city itself has much to offer. I absolutely love downtown. If I had 10 millions bucks I would move there. However the city and state is a political machine where the answer to any crisis will be higher taxes/fees/etc. and more money out of yo...
by Atilla
Sun Mar 02, 2014 7:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Concerns re: Relocating to Illinois (Chicago)
Replies: 40
Views: 2687

Re: washing machine - front loader or HE top loader?

Did all the research three years ago and decided on a Samsung top loading high efficiency washer. Lid stays up when not in use and we're happy with the results. Price was good too and if you want you can really load that sucker up with large items-excellent capacity.
by Atilla
Sun Mar 02, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: washing machine - front loader or HE top loader?
Replies: 52
Views: 2734

Re: Are 20 somethings handicapped bc of inflation and little

If you're young enough your annual Social Security statement includes the "We Ain't Got the Money" line in it with the estimate that you'll take a 25% benefit hit if things aren't "fixed". Of course the "fix" will involve taking more money from you while you're working ...
by Atilla
Fri Feb 28, 2014 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 10257

Re: Any indoor seed starters?

Way back in the day I used the little Jiffy 7 peat thingys. Soak them in water and jam a seed in each when they were all puffed up. Put the peat thingys in plastic trays and underneath 4' florescent shop lights with the lights kept no more than a few inches above the top of the sprouting seedlings. ...
by Atilla
Tue Feb 25, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Any indoor seed starters?
Replies: 30
Views: 1439

Re: The Onion: New Parents Wisely Start College Fund...

Ah yes - the Education Industrial Complex and the greed of Big Education. :D

I lived on State Street in Madison when The Onion had their original offices there.
by Atilla
Fri Feb 21, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: The Onion: New Parents Wisely Start College Fund...
Replies: 7
Views: 1594

Re: To MBA or not MBA?

I have a BBA from UW Madison School of Business. Have never thought it would be helpful going back for an MBA. The vast majority of the time no one cares about your degree once you're established in your field. Unless it's a technical/professional area where particular credentials are crucial.
by Atilla
Thu Feb 20, 2014 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: To MBA or not MBA?
Replies: 57
Views: 4421

Re: Raising kids in a small town vs. big city/suburbs

He's a smart kid but it's amazing how clueless he is about a lot of things. At 16 he can't navigate his way around the city he was born in. Buy him a bus pass. If he is smart, and I don't doubt that he is, he will learn his way around. And he will learn to budget his time, given that it will take h...
by Atilla
Fri Feb 14, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 4827

Re: Raising kids in a small town vs. big city/suburbs

If you stick with a small town your kids will grow up normal like all us older folks did. Out of the house all day only with the command to come home for dinner and again when the street lights came on. They will be independent - riding their bikes everywhere and learn self-governing amongst their p...
by Atilla
Fri Feb 14, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 4827

Re: How do you define "emergency fund?"

Our emergency fund is defined as: One year's bare minimum expenses held in cash - most in bank accounts but some on hand in a safe. Goodly quantity of wine and top shelf liquor stacked in the cellar. Firearms and ammunition in quantities that some would find shocking but others would consider below ...
by Atilla
Fri Feb 07, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you define "emergency fund?"
Replies: 32
Views: 2726

Re: $25K Budget for a Fun Car

I know folks have stuffed a 5.0 Mustang engine into a Miata. That would be pretty rare yet affordable and quick.
by Atilla
Thu Feb 06, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: $25K Budget for a Fun Car
Replies: 50
Views: 4348

Re: Movie night in recommendations

My Cousin Vinny. It's got Joe Pesci and Herman Munster.
by Atilla
Wed Feb 05, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Movie night in recommendations
Replies: 269
Views: 19772

Re: Living in retirement: 7 things I wish I could tell mysel

When my previous wife divorced me she was a partner at her law firm and I was making 1/3 to 1/4 of what she was. We had been together since before she started law school. At the bizzaro anti-wedding in the judge's office ( I now declare you not married ) he said I was eligible for spousal support. W...
by Atilla
Sat Feb 01, 2014 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living in retirement: 7 things I wish I could tell myself...
Replies: 47
Views: 8310

Re: Keurig vs normal coffeemaker?

If you like your coffee weak and wimpy and only want a single cup - Keurig is definitely an option.
by Atilla
Sat Feb 01, 2014 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 128
Views: 6237

Re: "The Incredible January Barometer"

It means my prediction for this year's contest is looking better and better. :beer
by Atilla
Fri Jan 31, 2014 8:09 pm
 
Forum: Investing - Theory, News & General
Topic: "The Incredible January Barometer"
Replies: 17
Views: 2495

Re: Multiple Offers on House: Best and Final Bid Needed Toni

Can someone help me - I never understood the reasoning in submitting a bid to buy where the seller pays the closing costs. I've been a seller and If I got an offer like that I'd be inclined to tell them to stick it all things being equal. Just give me a clean offer with no monkeying around. I ain't ...
by Atilla
Wed Jan 29, 2014 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Multiple Offers on House: Best and Final Bid Needed Tonight!
Replies: 38
Views: 3165

Re: Home Affordability - Good Income, Luxury Home

I would not feel comfortable blowing up to $600K on a house at your income level. Unexpected bad stuff has a way of happening - been there and done that. The amount you choose to spend on a house now will go a long way toward dictating the level of your financial success in the future. You're talkin...
by Atilla
Tue Jan 28, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Affordability - Good Income, Luxury Home
Replies: 31
Views: 2813

Re: Do you have a Savings Account?

We have a few savings accounts.

Mine
Hers
Ours
Property Tax "Escrow" Account
Vacation Fund Account

We use the last two to get the money officially "off the grid". It has a special purpose and officially doesn't exist except for spending it when the time comes.
by Atilla
Mon Jan 27, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a Savings Account?
Replies: 64
Views: 4953

Re: Advice for young investors: Beware of HCE implications

Discrimination tests also take into account overall participation in the company 401K plan. If participation is low, highly compensated employers are restricted in how much they can put into their own 401K. At one point I was restricted to a bit less than 5% of salary going into my 401K. I wasn't al...
by Atilla
Fri Jan 24, 2014 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for young investors: Beware of HCE implications
Replies: 26
Views: 1580

Re: Do You Consider the Opportunity Cost of Owning a Home?

Around here rents are insanely high to live in a decent place vs. buying to live in a decent place. The last place I rented was back in 2004 - newer one bedroom with it's own laundry in an "ok" trendy hippie neighborhood for $800 a month plus another $150 a month for a private garage. I ha...
by Atilla
Tue Jan 21, 2014 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do You Consider the Opportunity Cost of Owning a Home?
Replies: 54
Views: 3212

Re: Let's Go To Lunch

I'd ask God because He's smarter about money than anyone and knows what really matters. :beer
by Atilla
Tue Jan 21, 2014 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Let's Go To Lunch
Replies: 43
Views: 2728

Re: What's your dream car?

Either the Infiniti M37X (or whatever it's called now). 4.4 liter 400 HP jap performance sedan. Or a decked out Land Rover LR4 - like the look of it - has the boxy body style like the Hummer. Both can be had in the $50K+ range all optioned out. I could afford either but I'm too cheap or smart to pul...
by Atilla
Tue Jan 21, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8905

Re: Rent and save for next 5 years or stretch now?

Rent somewhere affordable and send your kid to private school.

We have your family income and live in the hood in a place assessed at $160,000. Kid goes to a private school across town for $5,500 a year.

Mortgage will be paid off this summer - we're both in our mid 40s.
by Atilla
Sun Jan 19, 2014 11:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rent and save for next 5 years or stretch now?
Replies: 38
Views: 2665

Re: Anyone familiar with this? Bank asking for info...

I only have a checking account with them because they bribed me $100 a few years ago to open the account. You took a bribe and now you are complaining about it? Is that a defense in court? "I took a bribe, but I didn't know that I would have to reveal my citizenship at the time." Maybe yo...
by Atilla
Sat Jan 18, 2014 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with this? Bank asking for info...
Replies: 86
Views: 6455

Re: Making $175k/year. What do I do with it all?

My advice is probably out of the mainstream on this board - but you should seriously consider giving a considerable chunk of your paycheck away every time you get it. Start at $1,500 a month and see how it goes. I ain't jokin. It will reduce the amount you flush down the tax toilet (make sure you ca...
by Atilla
Sat Jan 18, 2014 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Making $175k/year. What do I do with it all?
Replies: 39
Views: 6246

Re: Anyone familiar with this? Bank asking for info...

Chase Bank is doing this exact thing to me right now. I refuse to give out info over the phone and I refuse to stop in. I only have a checking account with them because they bribed me $100 a few years ago to open the account. And I get fractionally more cash back with my Chase credit card. I will cl...
by Atilla
Sat Jan 18, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with this? Bank asking for info...
Replies: 86
Views: 6455

Re: Who taught you about financial responsibility?

I'll tell you what did it. Sitting in a crappy sublet apartment, separated from my soon to be ex wife and staring at a credit card balance equal to half my yearly gross income.
by Atilla
Sat Jan 18, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who taught you about financial responsibility?
Replies: 57
Views: 2144

Re: Spare SUV vehicle - Snow Travel

I drive a Hummer and my wife has a G35X - basically the sedan version of the Infiniti FX you are considering. We have lots of snow and ice here, so here are my impressions: Hummer - I run BIG tires on it and it is unstoppable in pretty much any deep snow condition. I've comfortably driven the thing ...
by Atilla
Thu Jan 16, 2014 9:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spare SUV vehicle - Snow Travel
Replies: 26
Views: 1472

Re: Finished Basement Ideas

We had a large carpeted recreation room in our basement that we never used. Nice room - half exposure on one wall, completely finished. We actually used the room maybe once or twice a year. So...we moved our bedroom down there. Now we have a large master suite with a leather sectional sofa, big flat...
by Atilla
Wed Jan 15, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Finished Basement Ideas
Replies: 32
Views: 2015

Re: Home buy - Now or later (Big salary increase)

We had a similar situation in 2007. Huge salary increase...steady work...started looking at big expensive houses.

Hoo boy am I glad we didn't pull the trigger. It would have been a disaster.
by Atilla
Tue Jan 14, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home buy - Now or later (Big salary increase)
Replies: 32
Views: 3090

Re: Most Tax Efficient Way to Receive Bonus?

Reminds me of my brief car salesman days and envelopes of cash getting pushed over the conference table at the Saturday morning sales meeting.
by Atilla
Tue Jan 14, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most Tax Efficient Way to Receive Bonus?
Replies: 9
Views: 540

Re: Did you have a Mid Life Crisis?

I got my midlife crisis out of the way ahead of time in my early to mid thirties.

Now I can relax knowing it's over with. :beer
by Atilla
Tue Jan 14, 2014 6:54 pm
 
Forum: Personal Consumer Issues
Topic: Did you have a Mid Life Crisis?
Replies: 65
Views: 4224

Re: devices to maximize a car's fuel economy

Hooking up a vacuum gauge will help. More vacuum = better mileage. It will train you to maximize efficient engine operation with your right foot. You'll get better results with a manual transmission so you're not stuck with the factory slushbox making your shifting decisions for you.
by Atilla
Tue Jan 14, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: devices to maximize a car's fuel economy
Replies: 64
Views: 2974

Re: High Earners - What's Your Profession?

The union [(members) --admin LadyGeek] we work with in places like Chicago, Boston and anywhere on the west coast...the ones with seniority and pull make well over $100K a year. [OT comments removed by admin LadyGeek]
by Atilla
Mon Jan 13, 2014 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 334
Views: 22753

Re: misguided interest in div strategies

I dunno. My play money account filled with pipeline MLPs and a good slice of VE (bought at a low point :) ) seems to zig when the market zags - and pays a real nice chunk in dividends every 3 months. Today was a good day - the last quarter of last year - not so good. Like I say when the market zigs,...
by Atilla
Mon Jan 13, 2014 10:26 pm
 
Forum: Investing - Theory, News & General
Topic: misguided interest in div strategies
Replies: 200
Views: 12491

Re: High Earners - What's Your Profession?

Sales. Boss pays me 7% of the total take.

And I work from home with travel expenses paid. Get to go to Grand Forks in February. Woo hoo! :beer
by Atilla
Sun Jan 12, 2014 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 334
Views: 22753

Re: Dog entertainment tips given recent cold and rain

While sitting in home office chair - bounce tennis ball against hallway wall and down the stairs. Repeat until dog gives up fetching it back. :D
by Atilla
Sat Jan 11, 2014 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Dog entertainment tips given recent cold and rain
Replies: 12
Views: 730
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