Search found 1072 matches

by Atilla
Sun Feb 26, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: How should people factor Social Security into their "magic number" with early retirement?
Replies: 66
Views: 3831

Re: How should people factor Social Security into their "magic number" with early retirement?

Here's what I do: I boil everything down to an expected monthly income using the 4% rule. All our financial assets (exempting the paid-for house) are boiled down to an expected monthly income if liquidation started today at 4%. Usually this number rises every quarter. This is my "magic number&q...
by Atilla
Tue Feb 14, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy rare steaks?
Replies: 28
Views: 1965

Re: Where to buy rare steaks?

We have decent meat markets around here, but the best butcher is a 20 minute drive each way and it would be a shame to stock up there and freeze at home. His stuff is absolute top quality for the price-he sells boneless ribeyes cut almost 2 inches thick with marbling to die for. Neighborhood discoun...
by Atilla
Tue Feb 14, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 61
Views: 3365

Re: New cars or Pool?

Get 2 new cars and a membership to a fancy private country club pool. :mrgreen:
by Atilla
Sat Feb 11, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 110
Views: 10063

Re: How Much Cash Do You Actually Hold?

Approx. 1 year's expenses is in cash - 90% in online savings accounts, 10% kept with the liquor and ammunition.

Works out to about 5% of what we have invested. We will be in the accumulation phase of our investing lives for 10 more years or so, God willing.
by Atilla
Fri Feb 10, 2017 7:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 257
Views: 9530

Re: Your USER NAME...what does it mean?

My political views. And the fact I misspelled Attila.
by Atilla
Fri Feb 03, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Biting the bullet and getting off the roof.
Replies: 41
Views: 5654

Re: Biting the bullet and getting off the roof.

I risk life and limb 2-3 times a year. Extension ladder on a 2nd floor deck going up 2 more floors to the roof. The view is nice from up there. I avoid doing it on real windy days. But I used to heat my house with wood and can pull the engine out of a Camaro, so take it for what it's worth.
by Atilla
Thu Feb 02, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Computer for elder novice
Replies: 36
Views: 1211

Re: Computer for elder novice

Chromebook - you can't screw it up. I use one for in front of the TV or in bed. My dad got one on my recommendation and keeps in his car for when he goes to the tavern for coffee or beer and gets his surfing done.

They are foolproof.
by Atilla
Tue Jan 31, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Is joining a country club a character flaw?
Replies: 101
Views: 7988

Re: Is joining a country club a character flaw?

One great advantage of joining anything private is it keeps out the riff raff. And you get to know a regular group of people outside work and your normal social circle.
by Atilla
Fri Jan 27, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Recommendations near Mandalay Bay Convention Center
Replies: 26
Views: 1424

Re: Recommendations near Mandalay Bay Convention Center

Your closest options to the convention center outside of Mandalay/Delano itself will be Luxor, Excalibur, MGM Grand and the Tropicana, maybe add NYNY to that list. MGM Grand will take you a 30-40 minute brisk walk to get to the Mandalay convention center if you walk the whole way. If it's during ope...
by Atilla
Thu Jan 26, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone moved to another state for lower cost of living?
Replies: 56
Views: 6490

Re: Anyone moved to another state for lower cost of living?

Spent the first 50 years in small mid-west towns/cities. Spent the last 10 years in Houston for work. Retired last year and moved back to a small college town in the upper mid-west. Some general observations about living in a HCOL (big city) area: - Life is good if you are really loaded and can aff...
by Atilla
Wed Jan 18, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare and residence status
Replies: 7
Views: 711

Re: Obamacare and residence status

Several years ago a friend of a friend was visiting from England. Campground hi jinks resulted in a visit to the local emergency room to get a large wound stitched closed. Everything was covered by his travel insurance, including painkillers and a follow up visit before he went home. He said it was ...
by Atilla
Fri Jan 13, 2017 10:20 am
Forum: Investing - Theory, News & General
Topic: "Millennials may need to double how much they save for retirement"
Replies: 173
Views: 16835

Re: "Millennials may need to double how much they save for retirement"

Millennials planning for retirement also need to consider that they will be heading into their peak earning/tax-paying years at the same time the boomers are hitting peak retirement. Old age entitlement programs are looking at incoming revenue vs. promises made running at multiple trillion dollar sh...
by Atilla
Wed Jan 11, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 80
Views: 6477

Re: Where do you keep your emergency fund?

About 1 year's expenses - 95% of it in online savings accounts and 5% available as a zombie apocalypse GTFO fund in a safe.
by Atilla
Thu Jan 05, 2017 6:12 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 153
Views: 28976

Re: "Why 97% of People Don't Use 529 College Savings Plans."

Only have 1 son who entered an in-state college last fall. 10 years ago I started putting some money every month into a 529. By the time it came to start spending the money, 40% of it was tax free gains I didn't have to work for. Easy peasy - I'll take it. I like having the separate bucket of colleg...
by Atilla
Wed Jan 04, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: How to dress for winter vacation in Alberta
Replies: 45
Views: 2394

Re: How to dress for winter vacation in Alberta

All it takes is some wind to make double digits below zero into a whole new level of cold. It can be perfectly still at zero degrees and I'll stand outside at night in a t-shirt grilling a steak with a beer in my hand. Subtract 15 degrees and add a 20 mph wind and you better have every inch of skin ...
by Atilla
Mon Jan 02, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: Audiophiles help me with setup
Replies: 48
Views: 3559

Re: Audiophiles help me with setup

Oops - double post.
by Atilla
Mon Jan 02, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Audiophiles help me with setup
Replies: 48
Views: 3559

Re: Audiophiles help me with setup

I burned all my CDs to a hard drive years ago and kept the few I wanted for posterity purposes - I play them through Itunes with stuff I bought online. I also stream a lot of Internet radio. So - in my home office I have a turntable and bluetooth-enabled amp that handles all my analog and digital ne...
by Atilla
Wed Dec 28, 2016 7:47 am
Forum: Personal Consumer Issues
Topic: Best shows to see while in Vegas
Replies: 28
Views: 2224

Re: Best shows to see while in Vegas

Penn & Teller put on a great act.

Brad Garrett's Comedy Club is a winner if you catch a night when Brad is there. He was hilarious.
by Atilla
Tue Dec 27, 2016 4:57 pm
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 11138

Re: At what age, income, and NW would you buy a $50k car?

50 years old, $225,000 annual family pretax income and $1,000,000+ net worth. Nowhere close to buying a $50K car. :D
by Atilla
Fri Dec 23, 2016 2:38 pm
Forum: Personal Consumer Issues
Topic: Cappuccino/Espresso machine recommendations?
Replies: 39
Views: 2604

Re: Cappuccino/Espresso machine recommendations?

I admittedly am a coffee nerd (but I try not to be obnoxious about it). If you are in the market to spend hundreds of dollars on a espresso device, I would at least consider a traditional machine. I like the gaggia classic a lot. There is even a bogleheads-like gaggia users group forum to help you ...
by Atilla
Fri Dec 23, 2016 9:06 am
Forum: Personal Consumer Issues
Topic: Drive Your Car One-Way Across the USA
Replies: 28
Views: 2356

Re: Drive Your Car One-Way Across the USA

Easy - drive there, then fly someone out you trust who will drive your car back.
by Atilla
Wed Dec 14, 2016 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Stress
Replies: 38
Views: 6365

Re: Financial Stress

Two strands are less easily broken than one. I know having a good wife with her own career next to me reduces the financial (and other) stress considerably for both of us. Just throwing it out there. Someone is always your true partner and has your back - and vice versa.
by Atilla
Sun Dec 11, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: Why is it hard to find >3 year old cheddar nowadays?
Replies: 30
Views: 3714

Re: Why is it hard to find >3 year old cheddar nowadays?

Our corner store lists the following Cheddar cheeses in stock and ready to buy: Mild Cheddar Medium Cheddar Sharp Cheddar Sharp White Cheddar Spotted Cow Marble Cheddar 2 Year-Aged White Cheddar 3-Year Aged Cheddar 4 Year-Aged Cheddar 5 Year-Aged Cheddar 6 Year-Aged Cheddar 7 Year-Aged Cheddar 8- Ye...
by Atilla
Tue Nov 29, 2016 3:31 pm
Forum: Personal Consumer Issues
Topic: Gift To Self
Replies: 69
Views: 7699

Re: Gift To Self

I just got me a law enforcement edition Ruger Mini 14. Stainless steel with folding stock. It's a blast! 8-)
by Atilla
Sun Nov 27, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 257
Views: 31376

Re: What is your favorite consumer product?

My favorite consumer product is whatever canned ground espresso I scoop into the machine cup and crank in for hot frothy strong morning goodness at the push of a button. That and the machine that makes it happen.

It's a daily magical morning event I enjoy by myself when I'm at home.
by Atilla
Wed Nov 23, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: How Much Housing Payment Can a Boglehead Afford?
Replies: 90
Views: 4708

Re: How Much Housing Payment Can a Boglehead Afford?

Gross Income Maximum Monthly Housing Payment $10,000 $0 $30,000 $500 $50,000 $700 $75,000 $1,100 $100,000 $1,600 $150,000 $3,500 $200,000 $5,500 $300,000 $8,000 $500,000 $20,000 Please feel free to specify whatever reasoning you desire for how you arrived at your numbers, but please state numbers i...
by Atilla
Fri Nov 18, 2016 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house for your college kid?
Replies: 46
Views: 3999

Re: Would you buy a house for your college kid?

Three former roommates in college bought a 2-flat with the help of their parents to get the mortgage. They lived there for a couple years in the upper flat while renting out the first floor. Sold the place for a profit afterward - it worked out well. I wouldn't have done it - but it worked out well....
by Atilla
Fri Oct 28, 2016 5:05 pm
Forum: Personal Consumer Issues
Topic: How many have moved from California due to Cost of Living?
Replies: 108
Views: 11546

Re: How many have moved from California due to Cost of Living?

We make around a little less than $200k a year and feel as though getting into a $1-$1.5M house is do-able with a kid but will likely put a lot of stress on us. I disagree. I generally recommend a mortgage of no more than 2X gross income. If you live in a really expensive area you can stretch that ...
by Atilla
Thu Oct 27, 2016 5:45 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 3804

Re: How do you make your Martini?

Titos bottle from the freezer - add vodka to shaker full of ice with a little olive juice and no more than a tiny tiny splash of dry vermouth. Shake and strain into a huge cut lead crystal martini glass (also fresh from the freezer). Add blue cheese-stuffed olives - 3 of them on a pick. You want tha...
by Atilla
Wed Oct 26, 2016 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Will the market go up or down after the election?
Replies: 24
Views: 2595

Re: Will the market go up or down after the election?

I'll give my 2 cents. The US markets have been in a freaky holding pattern this fall leading up to the election. Freaky. After the election I suspect there will be more movement. I don't see it being dramatically upward. If you are planning to take money off the table anyway - might as well do it now.
by Atilla
Thu Oct 06, 2016 8:58 am
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 5701

Re: Johnnie Walker Blue worth the cost?

Glenlivet Nadurra is my recommendation. Runs about $80 bucks a bottle. :beer
by Atilla
Tue Sep 27, 2016 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to become debt free?
Replies: 36
Views: 3560

Re: How to become debt free?

Getting out of debt is like losing weight. You will do it once you really decide to.

I been overweight and in debt, been there. Done that. It all comes down to getting serious about it.

I now have a hatred of debt and fat.
by Atilla
Tue Sep 20, 2016 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: ER and the ACA [Expenses in Retirement]
Replies: 4
Views: 561

Re: ER and the ACA

You could also look at states with the largest number of insurers and highest rate of insured before ACA was enacted. That would indicate a healthy marketplace existing before the ACA.
by Atilla
Tue Sep 20, 2016 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 257
Views: 26237

Re: A car nicer than the boss?

Torque? Check out this dyno sheet from an old 383 cubic inch Chevy motor I used to run. RPM is the first column and torque is the second column. Fat and flat torque curve, perfect for tailing Porsches down windy country roads. Horsepower is the third column - that car was a beast. https://scontent-o...
by Atilla
Mon Sep 19, 2016 3:14 pm
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 6549

Re: Cities like New Orleans?

I got to spend 10 days in New Orleans on business this spring and had a lot of down time to walk around. First - I did not have a bad meal anywhere, and we never went to any place that would be considered "fancy". Found a few good hole in the wall places on the edge of the French Quarter n...
by Atilla
Mon Sep 19, 2016 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Charitable Organizations That Help The Poor
Replies: 14
Views: 843

Re: Charitable Organizations That Help The Poor

Finding a local food pantry is an excellent idea. We are founding donors to the http://www.riverfoodpantry.org/.

We know the people who run it personally and we trust the organization completely.
by Atilla
Wed Sep 14, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 11667

Re: Favorite Coffee

Medaglia Oro ground Italian espresso in a can. Super cheep at under five bucks for a 10 oz can. Run through a proper espresso machine - two double espressos every morning. I have found an espresso machine is super-efficient in extracting the maximum caffeine buzz per quantity of coffee used. Four sm...
by Atilla
Mon Sep 12, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 3793

Re: 2016 Murano or 2016 Acura MDX

I love the Murano for the engine, but the CVT transmission it is now saddled with would take it off my list. CVT transmissions belong in riding lawnmowers. Questionable reliability and they take all the fun out of hearing gears shift. Hate them hate them hate them. I've been in a couple MDXs and was...
by Atilla
Sun Sep 11, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: Bluetooth headphones for TV watching?
Replies: 9
Views: 814

Re: Bluetooth headphones for TV watching?

If you decide to ditch cable for a Roku 3, the remote that comes with it is Bluetooth and has a headphone jack.
by Atilla
Wed Aug 31, 2016 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Good School District or Private School?
Replies: 77
Views: 5045

Re: Good School District or Private School?

We have direct experience with how rapidly "good" public schools can deteriorate. The test scores from the elementary and jr. high schools down the street have plummeted over the course of the last 5 years. It is stunning. We had 3 couples with young school-age kids we are friends with who...
by Atilla
Mon Aug 29, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 65
Views: 5103

Re: Eating Healthy/Meals for One

I try to eat fish for lunch during the week. Individually frozen salmon, tuna and mahi mahi are easy to find. Thaw a piece out and saute in olive oil with blackened fish seasonings. Take the fish out and throw in sliced onion and a big handful of dark greens like arugula or spinach. Cook just until ...
by Atilla
Sun Aug 28, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp VP is Recruiting--advice please
Replies: 16
Views: 3623

Re: Megacorp VP is Recruiting--advice please

The only advice I can give is about the money. Wife and I together make good change - me twice what she makes. We live way below our means like you do. I get paid 7% of my gross sales from the previous 4 quarters, reviewed quarterly. So pay fluctuates for me. Low point during the 2009 crisis was $11...
by Atilla
Sun Aug 21, 2016 7:51 pm
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 4973

Re: Tips for a 1000 miles car trip with toddler and baby

Leave after dinner when it's bed time and haul it overnight as fast as you can. Can you still get ephedrine at truck stops?
by Atilla
Sat Aug 20, 2016 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Morningstar: "How Should Younger Investors Think About Social Security?"
Replies: 34
Views: 4454

Re: Morningstar: "How Should Younger Investors Think About Social Security?"

Ten to twenty years from now is when Millennials will start hitting peak earning years and the same time the Boomers will all be retired pretty much. Two huge generations with opposite interests. One that will vote religiously and another that may or may not. A safe bet if you are a younger worker i...
by Atilla
Sat Aug 20, 2016 10:09 am
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 11119

Re: Favorite Restaurant Stop on Road Trips

Gas station burrito. :D
by Atilla
Sun Aug 14, 2016 8:52 pm
Forum: Personal Consumer Issues
Topic: Advice about a stop in Chicago
Replies: 52
Views: 4898

Re: Advice about a stop in Chicago

Uber is your friend in Chicago. Surprisingly the cab cartel does not have the political pull to have it banned. I Uber it all the time downtown. Plus it's the north side, not the south side.
by Atilla
Thu Aug 11, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: Talked myself out of buying a new car. What do you think
Replies: 31
Views: 2980

Re: Talked myself out of buying a new car. What do you think

The good thing about NOT buying a new car is you can always change your mind.

I live in the hood, have a 4x4 (American) SUV with 170,000 miles, do all the maintenance mostly myself, have dark tinted windows and carry a gun.
by Atilla
Thu Aug 11, 2016 6:55 pm
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 11555

Re: How much vacation time do you get at work?

A couple days short of a month per year.

It's hard to use it all up - I got things to do.
by Atilla
Tue Aug 09, 2016 4:27 pm
Forum: Investing - Theory, News & General
Topic: College bubble - any good articles or books on this?
Replies: 57
Views: 4981

Re: College bubble - any good articles or books on this?

Is there a price at which you would not pay for a 4 year degree? We are making debt slaves of our younger generations, just to have a seal of approval from "The Educated Ones". All the information is available for the taking, without the Seal. We just need to find a better way to connect ...
by Atilla
Sun Aug 07, 2016 4:49 pm
Forum: Investing - Theory, News & General
Topic: Investors love "lottery tickets" new paper supporting that theory
Replies: 33
Views: 3915

Re: Investors love "lottery tickets" new paper supporting that theory

Back when I bought individual stocks - yes - the thrill of buying was the same as gambling placing a bet.

When the bride an I hit Las Vegas in a couple weeks you bet I'll place some long odds bets that could pay off big. It's fun. :beer

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