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Re: Help w/ adult child hard-wired for poor financial decisi

Your last paragraph I think is key: "I've exhausted all my ideas and am looking for any sort of resources or experiences from others on how to navigate this. I suppose at some point I'll have to just accept that she's going to do things her way and there's little or nothing I can do about it. N...
by Atilla
Tue Mar 24, 2015 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help w/ adult child hard-wired for poor financial decisions?
Replies: 45
Views: 4609

Re: Hydroponics Help (Organic)

Back in the day I was lucky enough to work in a lab so I had access to stir plates and PH meters. I made a 10X solution once a week and swapped out the old for the new, adding 9 gallons of water in the tub to the 10X mix I made in the lab. The plant food was organic. The muriatic acid I added in tin...
by Atilla
Sun Mar 22, 2015 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Hydroponics Help (Organic)
Replies: 1
Views: 292

Re: Whats a good Pistol to buy?

Revolvers are easy to figure out for people with little/no gun knowledge. No safety, no failure to eject, no failure to feed. Pull trigger go bang, repeat as needed. Ruger just came out with an LCR with a 3" barrel. Stone cold reliable, lightweight and not so pretty you'll worry about it. Throw...
by Atilla
Fri Mar 20, 2015 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7651

Re: Provia Legacy Steel Entry Door Experience?

I don't know about the arrangement of your house, but if the roof line anywhere is at first floor level the bad guys can just climb up through the aluminum soffit and come down through the drywall ceiling in about one minute. :twisted: The door won't matter.
by Atilla
Thu Mar 19, 2015 7:50 pm
 
Forum: Personal Consumer Issues
Topic: Provia Legacy Steel Entry Door Experience?
Replies: 9
Views: 538

Re: Definition of financial independence?

My neighborhood is full of people who don't have to work for pay. "Financially independent" is a unique way of labeling them, but I guess if you're on the dole it's true.
by Atilla
Tue Mar 17, 2015 6:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Definition of financial independence?
Replies: 52
Views: 4768

Re: Do you still use currency or have you gone all-plastic?

All plastic all the time if possible. But I do hoard a bit of currency just in case.
by Atilla
Sun Mar 15, 2015 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you still use currency or have you gone all-plastic?
Replies: 47
Views: 3191

Re: Boglehead degree status

Add a Class Clown category and I'm in.
by Atilla
Fri Mar 13, 2015 9:46 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead degree status
Replies: 52
Views: 4837

Re: Home workouts and motivation

I've always been extremely bored with gyms and exercising inside. Can't stand it and won't do it. So...I run outside with weights. Try jogging an hour a day with a 10 pound barbell in each hand. That will crap you out like you won't believe. Do it when it's zero degrees outside and now you're talkin...
by Atilla
Sun Mar 08, 2015 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 2803

Re: ammunition stocks or funds?

I just stockpile the product. It keeps forever, will (likely) only go up in value and unlike gold it has a use for recreation and otherwise.
by Atilla
Thu Mar 05, 2015 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: ammunition stocks or funds?
Replies: 11
Views: 1070

Re: Mid Thirties/Divorced and seeking a fresh start

Dude, you have "consumer" debt equal to 1/3 of your pretax annual pay. Here's what I faced in my mid 30's 12 years ago. Divorce. $27,000 in credit card debt, $52,500 gross annual pay. Maybe $30,000 in retirement. No alimony but facing child support to the tune of $600/month (to cover 1/2 o...
by Atilla
Wed Mar 04, 2015 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mid Thirties/Divorced and seeking a fresh start
Replies: 15
Views: 2481

Re: Guns for hunting/defense

My dad has a Taurus Judge as his night stand gun. I've shot it and the recoil is quite mild. The spread when you shoot .410 is large so it's only good at very close range - across the room. Personally I'm not a super huge fan of the gun but I see it's appeal. Here's a good review and demonstration: ...
by Atilla
Tue Mar 03, 2015 8:24 am
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 7957

Re: Do you consider mortgage payments as savings?

I looked at mortgage payments as buying bonds. Now that the house is paid off that investment is maxed out. :happy
by Atilla
Sat Feb 28, 2015 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 20084

Re: Guns for hunting/defense

If a rifle was our home defense weapon it would definitely be loaded and ready to go by the bedside. An unloaded or not immediately accessible gun is useless for defense. Gimme 5 seconds no matter where I am in the house and I'll have a gun in my hand ready to go. Sounds crazy to some, but hey - our...
by Atilla
Fri Feb 27, 2015 9:58 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 7957

Re: Guns for hunting/defense

No handgun ammunition will have the stopping power of a decent rifle caliber or 12 or 20 ga. shotgun. 20 gauge for a shotgun is plenty sufficient and less dramatic than 12 ga. for home defense. Easier to handle the blast/recoil. Realistically the best gun for self defense in the home would be an AR1...
by Atilla
Fri Feb 27, 2015 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 7957

Re: Guns for hunting/defense

High bullet capacity is overrated. In the vast majority of self defense uses of a handgun, only a couple-few rounds are fired. I love revolvers because they are cool but also stone cold reliable. No failure to feed, no stovepiping. Bad round? Just pull the trigger again to go to the next round. No s...
by Atilla
Tue Feb 24, 2015 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 7957

Re: Guns for hunting/defense

by Atilla
Tue Feb 24, 2015 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 7957

Re: Guns for hunting/defense

For hunting: Got a couple Ruger 10/22 rifles for small game. One was a gift from my father over 30 years ago and still shoots like new. Now it's the grandson's favorite fun gun. The 25 round magazines you can get now are great. Also have a bolt action .308 - Ruger Gunsite Scout rifle. It's a beast. ...
by Atilla
Tue Feb 24, 2015 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 7957

Re: Arguments for and against FSBO for house?

Done the FSBO thing - it worked out great. House sold very quickly. My only recommendation is to not bother with appointments because people never show up. Hold open houses on the weekends on your schedule and let the buyers come flocking. Hubbie can take the kids somewhere for a few hours while you...
by Atilla
Mon Feb 23, 2015 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Arguments for and against FSBO for house?
Replies: 14
Views: 1239

Re: What % of your gross income do you spend on mortgage/ren

Property taxes, utilities and lawn care/snow removal run under 3% of gross. No mortgage and living in the hood have their advantages. :beer
by Atilla
Sat Feb 21, 2015 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 8943

Re: help me speed up my computer

I kept an old XP laptop going reasonably well for many years by doing the following: 1. Defrag 2. Delete files I didn't need from the hard drive - I was running close to capacity. 3. Delete all programs I didn't need. 4. Check applications running in the background I didn't need and kept them from o...
by Atilla
Sat Feb 21, 2015 9:58 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3757

Re: What is the worst financial decision that you've made?

Spending more than I earned for the first 37 years of my life.
by Atilla
Wed Feb 18, 2015 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 15288

Re: Recommend a movie for a lonely Boglehead on Valentine's

Smokey and the Bandit.

You got your cute love story between Burt & Sally. Jerry Reed singing the tunes. Burnouts, car crashes and all around fun red-neckery.

And epic Jackie Gleason rants not seen since the Honeymooners. :beer

[OT comment removed by admin LadyGeek]
by Atilla
Mon Feb 16, 2015 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 4689

Re: Valentine’s day dinner I could cook?

Get a jar of this and the other ingredients called for on the label. Do the crock pot version you can start earlier in the day.
Image
Totally brainless way to make one of the best home cooked meals you will ever have.
by Atilla
Tue Feb 10, 2015 10:53 am
 
Forum: Personal Consumer Issues
Topic: Valentine’s day dinner I could cook?
Replies: 40
Views: 2433

Re: Keurig-cup coffee makers - why?

Indeed - why? Pay a premium for a horribly weak cup of coffee? You want convenience and a good tasting cup - get any decent espresso maker. Pack the handle cup thingy with cheap ground espresso, crank it in and hit the button. In 30 seconds you will have a double shot of super dark strong coffee goo...
by Atilla
Sat Feb 07, 2015 6:47 pm
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 12272

Re: Mom, Don't Throw It Out!

Can't you just skip the stamp and put the destination address where the return address goes? :mrgreen:
by Atilla
Wed Feb 04, 2015 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Mom, Don't Throw It Out!
Replies: 22
Views: 3525

Re: Term Life Insurance Dilemma

Get a 20 year term policy for both of you. It will be super cheap, and by then - 1. your kids will be in their 20's and fully capable of taking care of themselves - and 2. if you have your act together you will be self-insured due to a sizable estate which you can pass along, God forbid something ha...
by Atilla
Sat Jan 31, 2015 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Dilemma
Replies: 28
Views: 1728

Re: Rebalancing across multiple accounts

We have multiple accounts with varying options not available given the account. My 401K has awesome DFA small cap and international options that my wife's 401K does not. However, she has a handful of great vanilla Vanguard options. So I took the time a few years ago to set up a tab in the family for...
by Atilla
Fri Jan 30, 2015 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing across multiple accounts
Replies: 8
Views: 681

Re: Workplace net worth conversations you'd like to avoid?

There is a secret society of three of us at work where we are free to discuss among us no more mortgages and substantial investments.
by Atilla
Thu Jan 29, 2015 9:58 pm
 
Forum: Personal Consumer Issues
Topic: Workplace net worth conversations you'd like to avoid?
Replies: 87
Views: 9480

Re: What age did you move out?

It was the other way around, I was 20 and living with my mom while working and going to college.

She got a better job out of state in April and informed me rent was paid through May when the lease expired.

Then she took off. :D
by Atilla
Thu Jan 29, 2015 9:26 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5272

Re: Android or iPhone? Which do you like, and why?

My wife has an ifone and I have a droid. When we're out and about and need info - she asks siri and I ask the droid. It's a contest to see who can have the answer first. Siri is a dumazz and comes back with a nonsensical reply. Droid delivers the info needed. :sharebeer Google's ability to take a vo...
by Atilla
Sun Jan 25, 2015 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Android or iPhone? Which do you like, and why?
Replies: 40
Views: 1928

Re: Anyone regret paying off mortgage early?

Heck no do we regret it. Our case: late 40's, gross family income around $200 - $250 K depending on commissions. Home value $160,000-ish. Monthly mortgage payment was $880 at 3.75% fixed for 15 years - balance was around $120 K when we refinanced to the lower rate. Paid it off in 5 years. Cash flow ...
by Atilla
Fri Jan 23, 2015 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 39367

Re: Instant coffee

Image
by Atilla
Thu Jan 15, 2015 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Instant coffee
Replies: 34
Views: 3558

Re: Getting deposed -- do I need to hire my own lawyer?

Any way you can lay low and make it a pain for them to serve you papers? Heh heh.
by Atilla
Thu Jan 15, 2015 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4602

Re: What % of net worth is your home?

Mid 40's. House paid for and represents somewhat under 20% of our net worth. Hopefully that percentage keeps dropping considerably - down to the low single digits.
by Atilla
Tue Dec 23, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 11454

Re: How much notice to give prior to Retirement ?

Give whatever "generous" notice you want when you are financially prepared to be let go at the point of your announcement.

It's just business. They may just cut you loose right then and there.
by Atilla
Tue Dec 23, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much notice to give prior to Retirement ?
Replies: 62
Views: 4633

Re: Term life insurance- I don't have it. Do I need it?

You can get a term policy to supplement what you get through work for super cheap. That way if/when the job goes sideways you have at least something in place. In my mid 30s I got a 25 year fixed term policy - $250,000 for $20 a month. It goes to my son (from first wife) if I croak so he's set for c...
by Atilla
Thu Dec 18, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life insurance- I don't have it. Do I need it?
Replies: 19
Views: 1570

Re: Most/Least Boglehead 2014 Activity?

Least? Flying first class with the lovely bride for 5 days in Las Vegas in a huge 2 room suite with awesome strip views. Gambling like we didn't care and still coming home with only $200 less cash than I arrived with. Most? Still taking the huge hit in international/small cap/emerging markets in my ...
by Atilla
Wed Dec 17, 2014 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 9666

Re: [Purchasing a Bolt-Action] Rifle

If you can see one in person to handle it - look at a Ruger Gunsite Scout rifle. Shorter 16" barrel on most models. Light weight - around 6 to 7 pounds depending on the model. Beautiful and durable finish on the wood stock, or a composite stock is available. Excellent Mauser style extractor and...
by Atilla
Tue Dec 16, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a Bolt-Action] Rifle
Replies: 31
Views: 3593

Re: Need help with men's exercise clothes please

Ya - check out what Under Armour has. I like their stuff. If low price is not the primary issue for a gift - they will like what you give them. :beer
by Atilla
Mon Dec 15, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: Need help with men's exercise clothes please
Replies: 55
Views: 3954

Re: Helping out family members

1. You need to forgive (not necessarily forget) past cruelty. You say the relationship is on the mend. Good! 2. You have not been asked for money. Part of me says - great - don't offer any help unless asked and let it be. Sometimes no good deed goes unpunished. Consider helping only if asked directl...
by Atilla
Mon Dec 15, 2014 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 64
Views: 4885

Re: Recovering money from a totaled vehicle?

Years ago I had a truck totaled (other driver ran a red light) Before I sent the truck to the body shop for an estimate I took off the aftermarket wheels and reinstalled the factory wheels. After I was told the truck wasn't worth fixing I went back to the body shop and removed the aftermarket CD pla...
by Atilla
Thu Dec 11, 2014 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Recovering money from a totaled vehicle?
Replies: 11
Views: 958

Re: An interesting way I just thought about debt

Dave Ramsey would ask you if you would borrow money at your current interest expense in order to invest it.
by Atilla
Wed Dec 10, 2014 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: An interesting way I just thought about debt
Replies: 18
Views: 2723

Re: Help Me Pick Insurer - Safeco - Erie - AAA

We switched to Erie from American Family for auto, home and umbrella coverage. Savings was about 25% for slightly better coverage. Online research showed Erie highly rated for satisfaction. Have not had to test them on that fortunately. Past service from AmFam was fine; their costs just kept creepin...
by Atilla
Wed Dec 10, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Help Me Pick Insurer - Safeco - Erie - AAA
Replies: 25
Views: 2263

Re: Holiday Meal Splurging (Wagyu beef)

How about doing the hot grilling stone thing and let folks cook their own? Slice the beef thin and lay it out nice on a platter. Get a few stones so you can swap them out when one gets cold and people can gather around and have fun? It would be an awesome appetizer. Personally - I'd be afraid to coo...
by Atilla
Sun Dec 07, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Holiday Meal Splurging (Wagyu beef)
Replies: 17
Views: 1618

Re: Am I being cheap?

This is a no-brainer. Buy her a nice enough ring to make her proud to show it off. You can afford it. It will be on her finger all the time for (hopefully) the rest of your lives. Be stingy when it comes to cars, houses, etc. Crap that costs way more than a piece of jewelry and really matters financ...
by Atilla
Sat Dec 06, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 9461

Re: Fly or drive? Not just time vs. money anymore

This is pretty easy. Money should not be the primary consideration. Is a trip from hell worth saving a couple hundred bucks? None of your options are good, but #2 poses the least threat. 2 hour drive each way for a direct flight - book it. The extra drive time is negated by the layover. Drive time i...
by Atilla
Thu Dec 04, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive [with a newborn]?
Replies: 58
Views: 4889

Re: How did you handle the 2008 bear market ?

Wasn't hep to the Boglehead scene enough to rebalance. Should have but didn't. But I did stay the course. Did not panic and did harvest some nice losses in our non-retirement accounts. After the fact I decided we should be more toward 60/40 rather than the 80/20 we were going into the crisis and too...
by Atilla
Tue Nov 25, 2014 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 7575

Re: Lamps for S.A.D. problem

If you are capable - get your keester out the door after the sun rises for at least an hour long walk. It does wonders no matter what the weather or temperature. Make it a daily practice and you won't need a lightbulb.
by Atilla
Mon Nov 24, 2014 9:17 pm
 
Forum: Personal Consumer Issues
Topic: Lamps for S.A.D. problem
Replies: 18
Views: 1796

Re: Personal Tips for a New Father to Be

Be prepared to be ignored at home for quite awhile too. That won't be about you either, except to provide assistance when it's expected.
by Atilla
Sat Nov 22, 2014 10:25 am
 
Forum: Personal Consumer Issues
Topic: Personal Tips for a New Father to Be
Replies: 31
Views: 3858
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