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by Atilla
Fri May 29, 2015 5:33 pm
Forum: Personal Consumer Issues
Topic: Do-it-yourself handy person: How did you learn?
Replies: 38
Views: 3766

Re: Do-it-yourself handy person: How did you learn?

I credit my German heritage. For better or worse, we know how to get things done. A soon as I get back home next week I'm ripping up the deck to replace rotten wood.
by Atilla
Wed May 27, 2015 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: lump sum divorce settlement
Replies: 27
Views: 2828

Re: lump sum divorce settlement

I have no other advice to give other than to say buying a house right now is just about the absolute worst thing you could do. Dear God please do not buy a house.
by Atilla
Tue May 12, 2015 8:13 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9224

Re: I Hate Vacations

My wife and I LOVE vacations. We know where we want to go and what we want to do without having to plan much of anything. Because we almost always go to Las Vegas where we know the scene, the weather is always perfect and the stress level is zero because we know what we want. This Labor Day weekend ...
by Atilla
Wed Apr 29, 2015 8:30 pm
Forum: Personal Consumer Issues
Topic: What do you tip a valet?
Replies: 54
Views: 3999

Re: What do you tip a valet?

Five bucks. Always.
by Atilla
Wed Apr 29, 2015 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Private Schools - Tuition
Replies: 90
Views: 5519

Re: Private Schools - Tuition

I suppose you can add up $19K plus per year times 20 years ( holy moley $380K!) and see it it makes sense to move to avoid that and get int a school district that meets your needs for the taxes you pay. Our boy has always been in private school - the public district here thinks highly of itself but ...
by Atilla
Sun Apr 26, 2015 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Help getting rid of debt
Replies: 56
Views: 3392

Re: Help getting rid of debt

Dave Ramsey would say - rice and beans, beans and rice. You pay what for your cell phones per month? Start there. Sell so much of your stuff the pets/kids think they are next. Stop with "planning" to do and just do it.
by Atilla
Thu Apr 23, 2015 6:24 am
Forum: Personal Consumer Issues
Topic: Motorcycles!
Replies: 36
Views: 2170

Re: Motorcycles!

1999 Yamaha VMax.
by Atilla
Mon Apr 20, 2015 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: SS COLA for 2016 not looking good
Replies: 13
Views: 1888

Re: SS COLA for 2016 not looking good

On the flipside - those of us paying the bills and earning over the maximum SS income tax limit maybe won't see yet another SS tax increase. Sweet. :twisted:
by Atilla
Fri Apr 17, 2015 9:54 pm
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 249
Views: 25128

Re: What do you drive, and why?

2007 H3 bought new. Weight, ground clearance, comfort, style, unstoppable in deep snow (and as a side benefit it really horks off the progressives I'm surrounded by). After owning additional benefit discovered is a huge enough sunroof that lets your shotgun passenger stand up and act like a Nazi tan...
by Atilla
Sun Mar 29, 2015 8:38 pm
Forum: Personal Consumer Issues
Topic: Tree in the Yard
Replies: 9
Views: 1371

Re: Tree in the Yard

I have never regretted getting rid of a tree close to the house that kinda bugged me. Especially when it interfered with growing grass. Get the sucker removed. And $2K for trimming is robbery unless you have some kind of special access issues that required CONSIDERABLE extra time and/or special equi...
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: 5047

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
Sun Mar 22, 2015 7:21 pm
Forum: Personal Consumer Issues
Topic: Hydroponics Help (Organic)
Replies: 1
Views: 312

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
Fri Mar 20, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 9529

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
Thu Mar 19, 2015 7:50 pm
Forum: Personal Consumer Issues
Topic: Provia Legacy Steel Entry Door Experience?
Replies: 9
Views: 610

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
Tue Mar 17, 2015 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Definition of financial independence?
Replies: 52
Views: 5253

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
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: 3443

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
Fri Mar 13, 2015 9:46 am
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead degree status
Replies: 52
Views: 5646

Re: Boglehead degree status

Add a Class Clown category and I'm in.
by Atilla
Sun Mar 08, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 3270

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
Thu Mar 05, 2015 8:10 pm
Forum: Investing - Theory, News & General
Topic: ammunition stocks or funds?
Replies: 11
Views: 1130

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
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: 2598

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
Tue Mar 03, 2015 8:24 am
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 8793

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
Sat Feb 28, 2015 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 22727

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
Fri Feb 27, 2015 9:58 pm
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 8793

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 5:29 pm
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 8793

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
Tue Feb 24, 2015 10:01 pm
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 8793

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 4:57 pm
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 8793

Re: Guns for hunting/defense

by Atilla
Tue Feb 24, 2015 4:44 pm
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 8793

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
Mon Feb 23, 2015 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Arguments for and against FSBO for house?
Replies: 14
Views: 1313

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
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: 9715

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 9:58 am
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 4210

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
Wed Feb 18, 2015 9:20 am
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 16194

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
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: 4990

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
Tue Feb 10, 2015 10:53 am
Forum: Personal Consumer Issues
Topic: Valentine’s day dinner I could cook?
Replies: 40
Views: 2583

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
Sat Feb 07, 2015 6:47 pm
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 13491

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
Wed Feb 04, 2015 3:59 pm
Forum: Personal Consumer Issues
Topic: Mom, Don't Throw It Out!
Replies: 22
Views: 3638

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
Sat Jan 31, 2015 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Dilemma
Replies: 28
Views: 1859

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
Fri Jan 30, 2015 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing across multiple accounts
Replies: 8
Views: 699

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
Thu Jan 29, 2015 9:58 pm
Forum: Personal Consumer Issues
Topic: Workplace net worth conversations you'd like to avoid?
Replies: 87
Views: 9709

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 9:26 pm
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5685

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
Sun Jan 25, 2015 6:59 pm
Forum: Personal Consumer Issues
Topic: Android or iPhone? Which do you like, and why?
Replies: 40
Views: 2034

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
Fri Jan 23, 2015 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 40650

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
Thu Jan 15, 2015 8:30 pm
Forum: Personal Consumer Issues
Topic: Instant coffee
Replies: 34
Views: 3684

Re: Instant coffee

Image
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: 4717

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
Tue Dec 23, 2014 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 11984

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 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much notice to give prior to Retirement ?
Replies: 62
Views: 4881

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
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: 1669

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
Wed Dec 17, 2014 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 9913

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
Tue Dec 16, 2014 2:59 pm
Forum: Personal Consumer Issues
Topic: [Purchasing a Bolt-Action] Rifle
Replies: 31
Views: 3667

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...

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