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Re: POLL: My home is worth less/more in 2014 than in 2007?

The city keeps dropping our assessed value. Was $180K in 2006-now dropped to $158K recently. Living in the hood has it's advantages and disadvantages. No shootings recently though, so that's a plus. :beer
by Atilla
Sun Jul 27, 2014 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 80
Views: 3541

Re: Ditch car and commute to work in 250cc scooter in Raleig

Over the past 30 years I've logged at least 150,000 injury-free motorcycle miles. And no way would I want to commute in heavy rush hour traffic on a bike. First - it's no fun; and second - people are idiots. If you're all boxed in by cars you're a target. A motorcycle's greatest advantages come from...
by Atilla
Sat Jul 26, 2014 8:37 am
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 73
Views: 5280

Re: Will baby boomers retiring spell doom for the markets

The crash will come after the wealthy boomers croak and their kids blow the inheritance. :D
by Atilla
Tue Jul 22, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Will baby boomers retiring spell doom for the markets
Replies: 45
Views: 5356

Re: How to track expenses to the penny?

Back in the bad old days living in a one bedroom sublet with $27,000 in credit card debt and a divorce decree and a demand for child support...I just created an excel spreadsheet and recorded literally every single penny I spent for a few months until I got things turned around. Hitting the bar afte...
by Atilla
Mon Jul 21, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to track expenses to the penny?
Replies: 40
Views: 2643

Re: Insurance Inflation ?

looks like i'll be watching youtube videos on self-treatment in the future. :-( Heh - back in the bad old days of early 2009 when my wife was unemployed and on my employer's sketchy insurance out of Illinois ... we had her nurse practitioner friend come over to the house to remove the stitches from...
by Atilla
Thu Jul 17, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Inflation ?
Replies: 14
Views: 814

Re: boglehead botanists...is this poison ivy?

Maybe it's just me but poison ivy leaves always look like they have a shiny/greasy look to them compared to other similar-ish looking plants.
by Atilla
Tue Jul 15, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 2450

Re: "Being Done" Saving: White Coat Investor blog post

Being done is a whole lot easier if you live in a cheap house in the hood. That's our tactic.
by Atilla
Sat Jun 28, 2014 12:11 am
 
Forum: Investing - Theory, News & General
Topic: "Being Done" Saving: White Coat Investor blog post
Replies: 47
Views: 7691

Re: Highly Compensated Employee Definition

From what I understand (very little), it's not just your income that matters but the participation of other non highly compensated employees in the 401K plan. My income has been relatively static for 7 years but once upon a time I was limited to around 4% of my gross I could put into our 401K. Now I...
by Atilla
Sat Jun 28, 2014 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employee Definition
Replies: 19
Views: 1905

Re: burning 1 lb is how many calories?

You don't burn the water - only the fat. Water is not a fuel for the human body.
by Atilla
Thu Jun 26, 2014 7:34 pm
 
Forum: Personal Consumer Issues
Topic: burning 1 lb is how many calories?
Replies: 69
Views: 5599

Re: How do you afford to travel?

Flying can be a hassle, but the experience in first/business class really makes a difference. So does having a limo arranged at the airport so you get a guy in a black suit waiting in the baggage claim to drag all your crap to a waiting car. And nice hotels - gotta always stay at a nice hotel, prefe...
by Atilla
Thu Jun 26, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6204

Re: What is the risk of having too much house

$500 a month at your income level isn't a cushion. It's a rounding error. Sorry - but in my opinion what you want to do is financially insane.

I should know - been there and done that and have been rebuilding ever since. :oops:
by Atilla
Wed Jun 25, 2014 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the risk of having too much house
Replies: 51
Views: 4507

Re: Anyone regret paying off mortgage early?

It's been two months since we paid ours off. Basically spent the last 4 years paying extra every month and throwing the yearly tax refund at it. And in the past year or so throwing chunks of money at it out of savings every now and again. The closer you get the itchier you are to just be done with i...
by Atilla
Sun Jun 22, 2014 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 185
Views: 24914

Re: The Death of Savings Bonds

I know it's silly but I quit buying them when I could no longer get the paper ones. If I buy a savings bond I want the piece of paper dammit. I want to go to the bank and get the bond in the mail in a few days. If they can't do that then forget about it. The one little nice thing my government did t...
by Atilla
Mon Jun 16, 2014 7:04 pm
 
Forum: Investing - Theory, News & General
Topic: The Death of Savings Bonds
Replies: 33
Views: 3467

Re: Peppy V6 With Good Fuel Economy

Peak horsepower is a relatively useless number in day to day driving. Mid range torque is what scoots you along. Below is a dyno sheet from a small block Chevy motor I used to have 20 years ago. First column is RPM, second column is torque, third is horsepower. The car would twist and want to lift t...
by Atilla
Sat Jun 14, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 2976

Re: Peppy V6 With Good Fuel Economy

Any GM car with the 3.7L V6 will have very good low end torque and surprisingly decent mileage. Used prices will be very low, the 3.7 V6 has been around forever and in my experience has been reliable.
by Atilla
Thu Jun 12, 2014 6:26 am
 
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 2976

Re: new car buying strategy - disclose trade-in up front?

I'd post the car on Craigslist just to see what happens. You might be surprised how fast it goes for minimal effort. When my wife bought her current car in 2007, she had a mint low mileage 1998 Accord that sold immediately at what I thought was a very good price. Free online add - car gone in a day ...
by Atilla
Thu Jun 05, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: new car buying strategy - disclose trade-in up front?
Replies: 14
Views: 1062

Re: Family cars for non-drivers.

Used Honda Element. Crazy tall headroom. Small but not too small.
by Atilla
Wed Jun 04, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Family cars for non-drivers.
Replies: 38
Views: 1910

Re: IRS saying timely excess IRA removal is taxable.

I can't wait until the Health Insurance Hell posts merge with the Incompetent IRS posts. :twisted:
by Atilla
Fri May 30, 2014 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS saying timely excess IRA removal is taxable.
Replies: 31
Views: 2424

Re: Alarm Clock

My company-provided Samsung Sg3 phone thingy has many pleasing wake up tones. There is even a feature that allows you to initiate a super extra calming nature-sound wakeup sound two minutes before the real alarm sounds. I like it for the few times I need to set an alarm to make an early flight. Othe...
by Atilla
Thu May 29, 2014 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Alarm Clock
Replies: 30
Views: 2284

Re: Commute to elementary school

That's a whole lotta driving and a real long day for such young kids. No way would I even consider it.
by Atilla
Thu May 29, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Commute to elementary school [French language spoken]
Replies: 37
Views: 2727

Re: Thinking of buying a 1974 Corvette

The 1970s were the beginning of the dark ages for emissions-strangled engines. But 1974 is still early enough to get around the emissions BS without too much hassle. Emission "fixes" were still pretty rudimentary. Emission camshaft would be the worst thing to get rid of hassle-wise - every...
by Atilla
Wed May 28, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Thinking of buying a 1974 Corvette
Replies: 22
Views: 1465

Re: POLL: QB Aaron Rodgers disproves the EMH

Organizational excellence is also key. Farve, traded to Packers in 1992 under Manager Ron Wolf and Coach Mike Holmgren. Wins Super Bowl four years later after 1996 season. Farve's backups that went on to start for other teams include Matt Hasslebeck (made it to the Super Bowl), Ty Detmer, Mark Brune...
by Atilla
Wed May 28, 2014 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: QB Aaron Rodgers disproves the EMH
Replies: 39
Views: 3533

Re: Wait to DCA During Recession

We're still in the same "recession" that started when you were 12. Go ahead and start investing. Long term your timing won't matter diddly squat. :sharebeer
by Atilla
Tue May 27, 2014 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wait to DCA During Recession
Replies: 17
Views: 1951

Re: Inside Grilling

The best you can do indoors is broiling in the oven in a cast iron pan. Make sure there's butter or other appropriate grease in the pan and keep the hood fan on high. :sharebeer

Heat the pan first before adding grease/meat for that instant sizzle effect.
by Atilla
Mon May 26, 2014 7:10 pm
 
Forum: Personal Consumer Issues
Topic: Inside Grilling
Replies: 40
Views: 3073

Re: The in-laws are broke!

Seems to me you got two issues here. 1 - Siblings - they need to come clean on the state of parents' finances/expenses. If for no other reason than to keep your wife informed. 2 - Parents - any help needs to be freely and cheerfully given with no strings whatsoever. This coming from a #1 son with a ...
by Atilla
Mon May 26, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16206

Re: Blocking posters

I can't think of a single person here I can't stand.

So maybe I'm the culprit. :mrgreen:
by Atilla
Mon May 26, 2014 12:53 pm
 
Forum: Forum Issues and Administration
Topic: Blocking posters
Replies: 19
Views: 1454

Re: Own a Samsung Galaxy S3 Phone? --Help!--

Flipping the phone over moves the shutter button from right to left. You're good to go.
by Atilla
Sat May 24, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: Own a Samsung Galaxy S3 Phone? --Help!--
Replies: 7
Views: 847

Re: How do you make your money?

Me: Sales - straight commission - 7% of gross revenue.
Wife: Web site manager for a doll company.
US: Investments are starting to hit critical mass and have a life of their own (when the market is up).
by Atilla
Fri May 23, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you make your money?
Replies: 97
Views: 12762

Re: Help! Mom fell for scam--computer hacked?

This is why you never answer the phone if you don't recognize the number. So many problems can be avoided. :oops:
by Atilla
Thu May 22, 2014 7:55 pm
 
Forum: Personal Consumer Issues
Topic: Help! Mom fell for scam--computer hacked?
Replies: 28
Views: 2987

Re: 1992 Honda Accord Achieving Best Gas Mileage

Hook up a vacuum gauge and drive for maximum vacuum readings under acceleration. You might be surprised to see semi-brisk acceleration from a stop up to cruising speed gives the best city mileage.
by Atilla
Wed May 14, 2014 9:41 pm
 
Forum: Personal Consumer Issues
Topic: 1992 Honda Accord Achieving Best Gas Mileage
Replies: 4
Views: 646

Re: Buying a new suit for a promotion

If you're the tall and slender type and they have a store near you - go to SuitSupply. They sell some crazy stuff but also stock excellent conservative business options. I always get compliments. They tailor in house - excellent for the price.

http://us.suitsupply.com/en_US/stores
by Atilla
Wed May 14, 2014 6:49 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new suit for a promotion
Replies: 20
Views: 2376

Re: Generally, do you trust service providers?

lululu wrote:
user5027 wrote:A quote from Ronald Reagan comes to mind... "Trust but verify."


Quoting a Russian proverb.


That's awesome - I never knew that..if its true. The Gipper was using their own proverb against them. :sharebeer
by Atilla
Sun May 11, 2014 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Generally, do you trust service providers?
Replies: 18
Views: 1492

Re: Investing in Gold/Silver Coins

I prefer a 3-fund approach for a true emergency fund. Liquor, ammo and paper currency. In a real actual crisis of the first two will go up in value while the third would go down (gouging/inflation). All three will be useful. Two are commodities with especially useful characteristics. Don't know what...
by Atilla
Sun May 11, 2014 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Gold/Silver Coins
Replies: 37
Views: 2479

Re: Did you tell anyone you paid off your mortgage?

Except for here we've kept it to ourselves for two whole weeks so far.
by Atilla
Sun May 11, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 12236

Re: Making extra cash

I know my comment isn't helpful - but I despise the idea of "extra cash". There is no such thing.

There is "more money" but there is never "extra cash" like it is wafting around in the wind with no purpose.
by Atilla
Thu May 08, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making extra cash
Replies: 38
Views: 4180

Re: Should I buy a fun car?

If you were into motorcycles, the fun vehicle decision would be a whole lot easier and cheaper. :D I got one of these with under 6,000 miles on it used for $5,900 bucks. 120 horsepower in a 700 pound package. You do the power to weight ratio math for a 3,000# car :sharebeer https://www.the-blueprint...
by Atilla
Wed May 07, 2014 9:56 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a fun car?
Replies: 59
Views: 3116

Re: Lump summing into a 529 -- What would you do?

I threw my kid's money into Vanguard Wellington - it was an option with my state's 529 plan. I figure I'm pretty good to go no matter what happens (within reason). You could just do that and revisit in a year.
by Atilla
Tue May 06, 2014 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump summing into a 529 -- What would you do?
Replies: 14
Views: 863

Re: Free Dinner Binge?

Order medium rare if that's an option. Extra sour cream and butter on the baked potato. Avoid the chicken or fish option at any cost. Get a salad to add that justifiable healthy factor. :sharebeer
by Atilla
Mon May 05, 2014 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Free Dinner Binge?
Replies: 23
Views: 2465

Re: If You Can [free Bill Bernstein booklet for millennials]

Awesome. The boy's first day at an actual job is today. 4PM shift at the golden arches. Now that he has a car, not working isn't an option. :D At the end of the year when I explain that the Ex and I are opening a Roth account for him with our money he will get this to read along with a very stern wa...
by Atilla
Sun May 04, 2014 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: If You Can [free Bill Bernstein booklet for millennials]
Replies: 28
Views: 4955

Re: An easy way to save money: Avoid the $300,000 car.

Let's not ignore black swan driving events. I cringed today twice on my way to Chicago seeing a very crunched up small unibody Jeep SUV (it got hit on the driver side up front and the cage was majorly compromised. No door. Wheels unattached and under the vehicle somehow) and a couple miles down the ...
by Atilla
Thu May 01, 2014 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: An easy way to save money: Avoid the $300,000 car.
Replies: 152
Views: 17227

Re: Does everyone have an Emergency Fund

I have recent memories from 2008-2009 when it looked kinda bad. Wife lost a high paying job, markets taking a [(big loss) --admin LadyGeek] . Right then cash was king. We had some cash on hand - enough to keep panic at bay - and we have cash now for the same reason. It's a relatively small percentag...
by Atilla
Wed Apr 30, 2014 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does everyone have an Emergency Fund
Replies: 51
Views: 4621

Re: TMobile $30 plan...

The $30 T Mobile plan is the one I have had for the boy for the last 2-3 years.

Kids don't talk to each other. It's texting and farting around on the Internet. He's never gone over the minute limit.
by Atilla
Sat Apr 26, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: TMobile $30 plan...
Replies: 52
Views: 12069

Received Important Notice from Mortgage Company

Hello Atilla,

The transaction to payoff your mortgage has been completed. And the auto payment has been stopped.

Congratulations again! A great way to start the weekend celebrating this accomplishment. Enjoy!

:sharebeer
by Atilla
Fri Apr 25, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Received Important Notice from Mortgage Company
Replies: 4
Views: 821

Re: Good scotch recommendations, where to buy

Another vote here for Glenlivet Nadurra. My mom was always a basic Glenlivet fan and I found about their "Nadurra" version. Full cask strength aged in oak bourbon barrels 16 years. 106 Proof - add a small splash of water and you're good to go. Price is reasonable and she swears by it. I se...
by Atilla
Mon Apr 21, 2014 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Good scotch recommendations, where to buy
Replies: 55
Views: 9439

Re: Just had offer accepted on a house! (Advice pls!)

Assuming your accepted offer is pending inspection - hire a good inspector and have him nitpick the hell out of everything and attach a high dollar amount to every fix. Then use that info to pound the sellers into an even lower price. Once they are informed of defects, make sure you tell them they a...
by Atilla
Wed Apr 16, 2014 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just had offer accepted on a house! (Advice pls!)
Replies: 29
Views: 2495

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: 3012

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: 2070

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: 1888

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: 4419
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