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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: 540

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: 76
Views: 6547

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: 4712

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: 1830

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: 306
Views: 37298

Re: Instant coffee

Image
by Atilla
Thu Jan 15, 2015 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Instant coffee
Replies: 34
Views: 3344

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: 4534

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: 10987

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: 4556

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: 1531

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: 9452

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: 3563

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: 3863

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: 4705

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: 940

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: 2692

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: 2188

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: 1572

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: 9217

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: 4793

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: 7404

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: 1777

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: 3814

Re: Selecting Charities for Donation

I prefer local. Low expenses with maximum percentage going to actually help people is important. I'm fortunate to know the founders of a local food pantry that has grown to be the largest in the county. I trust their management and believe in what they do. http://www.riverfoodpantry.org/
by Atilla
Fri Nov 21, 2014 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Selecting Charities for Donation
Replies: 59
Views: 6416

Re: [Should I] rent out [my] house [for a 3-day event]?

I would totally rent my place out for that kind of money. Wouldn't go anywhere - I'd just camp out in the back yard and drink beer keeping an eye on the place. :beer
by Atilla
Tue Nov 18, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 68
Views: 6924

Re: Does anyone here make "fun" purchases.

Guns. I love guns. An afternoon of blasting steel targets with the boy is just about the greatest thing in the world. Throw in a case of Tannerite binary explosive and now you're talking big fun. I'm currently resisting the urge to buy a Winchester model 1892 carbine in .357 magnum. Must. Wait. Unti...
by Atilla
Fri Nov 14, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 10743

Re: Obligation to Parents?

My dad is fine and will never need financial assistance from me. My mom 10 years ago left her job to take care of my grandfather. He died a couple years later and left her about $250,000. She proceeds to blow through most of it and for the past 7 years has had two houses, three mortgages and no job....
by Atilla
Thu Nov 13, 2014 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 4340

Re: War on Debt

I'm sorry, but in this so-called war on debt there are no boots on the ground. The best you can hope for is a multi-decade stalemate.
by Atilla
Sat Nov 08, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 32303

Re: Most boglehead off-road vehicle?

Find a used H3 and get a test drive if you can. I've yet to get mine stuck no matter what stupidity I was into. Except for the one time I high centered it and the other time I hit something hard in a farm field (?!?) that somehow popped two tires on the right side whilst plowing through a couple fee...
by Atilla
Thu Nov 06, 2014 9:29 pm
 
Forum: Personal Consumer Issues
Topic: Most boglehead off-road vehicle?
Replies: 44
Views: 2257

Re: Increased Premium Paid for Premium Gas

I think one factor may be rapidly falling gas prices we have now. Premium presumably doesn't sell as quickly as regular, so the stuff sitting in the ground was bought when prices were higher. Once that premium get replaced by cheaper newer stuff, the price should start to come down to the normal spr...
by Atilla
Thu Nov 06, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Increased Premium Paid for Premium Gas
Replies: 24
Views: 2140

Re: Trick or Treating Minimum Requirements

Zero. We live in the hood. We''ll be watching TV in the basement with the porch light off.
by Atilla
Fri Oct 31, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Trick or Treating Minimum Requirements
Replies: 20
Views: 1381

Re: That stress-relieving thing you do at work

Morning run followed by a meat and egg breakfast. Then weather permitting walking the dog after lunch.

I get to work from home. :sharebeer
by Atilla
Thu Oct 30, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: That stress-relieving thing you do at work
Replies: 45
Views: 2933

Re: A Little Common Core Math problem

Phew! I can do grade school math problems in my head. I still got it! :D
by Atilla
Thu Oct 30, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 3244

Re: Men's Personal Hygiene Products

I came across this shaving cream a few months ago. http://nyshavingcompany.com/shop/index.php/shaving-products/elizabeth-street-shaving-cream.html Classic barber shop smell. A little goes a very long way. So much that you will spend way more on crapo foam shaving cream before you work your way throu...
by Atilla
Tue Oct 28, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Men's Personal Hygiene Products
Replies: 37
Views: 3201

Re: Do you regret buying your home?

Three home purchases and no regrets on any. Rents in this city are so outrageous we could never have lived in anything comparable for the money without buying.
by Atilla
Fri Oct 24, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 7386

Re: VCR Head Cleaning

Find the heads so you know where they are. Then use cotton swabs (q-tips) and alcohol. Head cleaners are a joke.
by Atilla
Thu Oct 23, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: VCR Head Cleaning
Replies: 13
Views: 1098

Re: Vegas Vacation!

Vegas veteran recommendations: Have a cocktail at dusk at the Mandarin Bar at the Mandarin Oriental. Swank live lounge music, top shelf complimentary bar snax, and a view to die for. The bar is on the 23rd floor with 2-storey floor to ceiling windows facing the strip. Getting into the place the firs...
by Atilla
Tue Oct 21, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: Vegas Vacation!
Replies: 50
Views: 4256

Re: How do you wash your car?

Full service every 4-6 weeks so it gets vacuumed and surfaces wiped down - it's only ten bucks. In the winter we get heavy salt on the roads so I'll run it through the gas station automatic weekly just to wash the crap off. Yearly I get the paint buffed & waxed. It's a bargain at $40 and brings ...
by Atilla
Mon Oct 20, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7960

Re: Mega bus vacation with toddlers.

21 hours, eh? 1.5 and 3 years old? Dear God, have pity on the rest of the folks on the bus and pay more to drive yourselves.
by Atilla
Fri Oct 17, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 2147

Re: Vegas Vacation!

Op mentioned sight seeing. Red Rock Canyon. For the rest - just know that staying at the SLS puts you on the no-mans land of the north strip. It's grim up there and you will not want to walk to anything. It will be your car, cabs or the monorail to get to anything outside the SLS property. The surro...
by Atilla
Thu Oct 16, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Vegas Vacation!
Replies: 50
Views: 4256

Re: Should I buy a condo on the GROUND FLOOR?

In my apartment dwelling days I always went for the top floor. 100% guaranteed the person above you will bug you with stomping around if you choose anything other than the top floor. Plus - to save $$$ in the winter I would turn the heat off during the day and the place would still stay warm from al...
by Atilla
Mon Oct 06, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 5718

Re: EZ-Pass scam?

Ya - I got one of those. It was really convincing-looking and my hand twitched wanting to click on it.

But I thought better and did nothing. It was an attempted scam.

By far one of the better ones.
by Atilla
Fri Sep 26, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: [phishing with fake] EZ-Pass [e-mail]
Replies: 15
Views: 1640

Re: Cast Iron Skillet Cooking

Cast iron is great because you can go from rangetop to to oven/broiler and back depending on what you're making. And you can bring it camping for cooking directly on a wood fire without worrying. :beer
by Atilla
Thu Sep 25, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 108
Views: 12088

Re: Why I sold my gold, and would sell commodities too

I've never been able to get myself to invest in gold or commodities. Too meh for me. I just can't see the reason to do so. Now...I do stock a fair amount of liquor and ammo in the rare case the zombie apocalypse actually happens. I can walk out back and kill a critter for dinner, fend off the horde ...
by Atilla
Mon Sep 22, 2014 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: Why I sold my gold, and would sell commodities too
Replies: 71
Views: 6390

Re: Acura RDX - test drove it again and it's about off my li

I rode in my boss' RDX once on interstate highways and was surprised how crappy and clunky the ride was. I thought he got a lemon - but it appears that's how the ride is. Surprisingly shameful for a company like Honda.
by Atilla
Sat Sep 20, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 58
Views: 5855

Re: The boglehead way to buy furniture

Always remember that everything is negotiable. Pretend you are buying a car. I've negotiated money off something as small as a bistro table. This summer I've gotten a couple hundred taken off a small tree removal job and another few hundred off carpet & install for the living room just by taking...
by Atilla
Tue Sep 16, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: The boglehead way to buy furniture
Replies: 56
Views: 5519

Re: Which 4 door with 250+ hp

Manual transmissions are all about total control. Automatics are lazier and easier to drive...but there is always a compromise. You put up with the factory slushbox settings meant to be OK for a wide variety of situations. Manuals get around all that and let an informed driver decide what he or she ...
by Atilla
Mon Sep 08, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 104
Views: 8743

Re: Do you consider your emergency fund part of your portfol

Yes - it goes into the short bonds/cash column on the asset allocation tab in the Family Fortune Spreadsheet.
by Atilla
Mon Sep 08, 2014 8:13 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3153

Re: If you had an extra $100,000

There is no such thing as "extra" money. :beer
by Atilla
Mon Sep 08, 2014 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 68
Views: 7665

Re: Think like a rich person

There is profit and there is loss. Both are manipulated for tax and other reasons.

But strong positive cash flow is always king.
by Atilla
Sat Sep 06, 2014 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Helping someone] think like a rich person
Replies: 40
Views: 4257
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