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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 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Men's Personal Hygiene Products
Replies: 37
Views: 2661

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 7:29 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6762

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 9:31 pm
 
Forum: Personal Consumer Issues
Topic: VCR Head Cleaning
Replies: 13
Views: 1023

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 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Vegas Vacation!
Replies: 50
Views: 3818

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 4:35 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6831

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 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 1919

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 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Vegas Vacation!
Replies: 50
Views: 3818

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 11:51 am
 
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 5090

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 5:34 pm
 
Forum: Personal Consumer Issues
Topic: [phishing with fake] EZ-Pass [e-mail]
Replies: 15
Views: 1520

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 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 107
Views: 9554

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 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: Why I sold my gold, and would sell commodities too
Replies: 71
Views: 5281

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 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 58
Views: 5501

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 6:21 pm
 
Forum: Personal Consumer Issues
Topic: The boglehead way to buy furniture
Replies: 56
Views: 5171

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 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 104
Views: 8362

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 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3097

Re: If you had an extra $100,000

There is no such thing as "extra" money. :beer
by Atilla
Mon Sep 08, 2014 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 68
Views: 7428

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 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Helping someone] think like a rich person
Replies: 40
Views: 4209

Re: POLL: Has a financial firm made a mistake with your mone

[OT comment removed by admin LadyGeek]
by Atilla
Sat Sep 06, 2014 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Has a financial firm made a mistake with your money?
Replies: 52
Views: 2769

Re: Travel Insurance for a "trip of a lifetime"

My best friend is from England. When his buddy from over there visited for a motorcycle race camping weekend at Elkhart Lake and ended up gouging a big throbbing hole in his calf whilst scooter jousting around someone's campfire...he declared the 20 pounds he paid for travel insurance to be the best...
by Atilla
Wed Sep 03, 2014 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Travel Insurance for a "trip of a lifetime"
Replies: 36
Views: 2513

Re: How to safely sell a big ticket item online

Accept cash. With a revolver strapped to your side. It's what I do.
by Atilla
Wed Aug 27, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 42
Views: 2689

Re: Mortgages and financial freedom

Starting about 4 years ago we had enough savings and taxable investments to pay off the mortgage and have some left over...but if we had done it we would have been pretty tapped out in the event of a real emergency. Instead we paid an extra $500 a month and threw the annual tax refund at it. Then ab...
by Atilla
Mon Aug 25, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 7093

Re: Zegna Suits

Hi all, I am shopping for outfit for my upcoming wedding. I like ZEGNA line, their suits are very comfortable and made in Italy from good Egyptian or Australian fabrics, The outfit from Zegna would run me about $4500, is this too pricy? I tried on Armani, Boss, Canelli, but these definitely do not ...
by Atilla
Sun Aug 24, 2014 7:14 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 9870

Re: Do you tip on the tax?

I tip based on the pretax total. Tipping a percentage of the tax makes no sense to me. Some servers are sneaky and don't give me the itemized bill after they run my card - just the receipt showing the after-tax total.
by Atilla
Fri Aug 22, 2014 8:17 am
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 5309

Re: Mac Airbook

I have a 9 year old HP computer that seems to be failing slowly. I have up to date virus protection software ie Norton suite etc and don't visit unsavory sites. Anyway I'm thinking of getting a Mac Airbook laptop with the 13 inch screen, a mouse. I am somewhat computer savvy so the leap to Mac soft...
by Atilla
Thu Aug 14, 2014 6:47 pm
 
Forum: Personal Consumer Issues
Topic: Mac Airbook
Replies: 38
Views: 3342

Re: The Worst Investment You Can Make: Buying a Home

Around here at least you can buy a place and mortgage and taxes combined will be way less than what you can rent. Everyone pays property taxes regardless of owning or renting. When we had a mortgage it was under $900 a month. That amount plus property taxes would not get you anything near a comparab...
by Atilla
Sat Aug 09, 2014 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 16478

Re: Your Favorite charity organization...? please

You can't go too wrong with the Salvation Army. I've given small amounts to them regularly since I started giving as a deliberate practice. Trust is important and you have to believe in the goals and practices of the organization. I do like giving locally - it connects you to the givers and receiver...
by Atilla
Sat Aug 09, 2014 8:20 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4630

Re: Which 4 door with 250+ hp

My friend has a WRX and my wife has an Infiniti G35x. As far as acceleration, the WRX can't hold a candle to the G. I've driven the newer G37X and the additional power and two additional gears (in the auto) make a huge difference over the G35. I see low mileage later model G37s for sale in the mid $...
by Atilla
Sat Aug 09, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 104
Views: 8362

Re: Landlording for long-term wealth? Who's doing it?

I have a friend in the military - still a young guy at under 40 but military folks get to retire early. He and a group of friends have been buying rental properties for years and putting sweat equity into them. It seems profitable-ish and they are learning as they go along. I suppose the goal is to ...
by Atilla
Tue Jul 29, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 8078

Re: retirement savings for my young kids?

Pick up a copy of "Make Your Kid a Millionaire" by Kevin McKinley.
by Atilla
Tue Jul 29, 2014 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: retirement savings for my young kids?
Replies: 29
Views: 2499

Re: retirement savings for my young kids?

The boy turned 16 back in December. By March he got a job - and now in Summer he's working 30 hours a week. He grosses almost $500 each paycheck and only takes $100 out in cash for walking around money. We did buy him a car (1998 Civic EX coupe) and he does get $10/week gas allowance to travel betwe...
by Atilla
Mon Jul 28, 2014 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: retirement savings for my young kids?
Replies: 29
Views: 2499

Re: Do any boggleheads invest in individual companies?

I have a small account of individual stocks - exclusively pipeline MLPs with the exception of a large French company that does water treatment and trash disposal. They all pay a fat dividend and I never sell - just keep reinvesting the dividends and buying more. I can't help myself. And I don't care...
by Atilla
Mon Jul 28, 2014 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 5950

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: 94
Views: 6001

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: 79
Views: 6766

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: 5555

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: 2830

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: 841

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: 2539

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: 8004

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: 2062

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: 6015

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: 6586

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: 4596

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: 25776

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: 3563

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: 3057

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: 3057

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: 1148

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: 2056

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: 2440

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: 2420
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