Search found 1049 matches

by Atilla
Tue Nov 29, 2016 3:31 pm
Forum: Personal Consumer Issues
Topic: Gift To Self
Replies: 49
Views: 4075

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: 215
Views: 20594

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: 3876

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: 3667

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: 10903

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: 3360

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: 2418

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: 5414

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: 3358

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: 529

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: 25502

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: 5889

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: 756

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: 10554

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: 3344

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: 699

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: 4758

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: 4921

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: 3532

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: 4525

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: 4350

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: 10170

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: 4662

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: 2840

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: 10839

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: 4740

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: 3781

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
by Atilla
Wed Jul 27, 2016 10:19 pm
Forum: Personal Consumer Issues
Topic: Interview in Silicon Valley - Suit?
Replies: 95
Views: 6180

Re: Interview in Silicon Valley - Suit?

Chicago is a stuffy culture and your perceptions have been warped by it. Dress well, but skip the suit. That's funny - Chicago is stuffy - it's not. I come down from business super-casual Madison for meetings in Chicago and find myself "overdressed" compared to the downtown business types...
by Atilla
Tue Jul 26, 2016 5:49 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 6270

Re: Winter Tires: Yay or Nay

Back in my college days in the snowy upper midwest I ran regular all season radials in front and Wintermaster snow tires on the back of my 1977 Delta 88 year round. My driving style in heavy snow was - you can't get stuck if you're still moving. There was one time I had to clear out the snow packed ...
by Atilla
Tue Jul 19, 2016 9:40 pm
Forum: Investing - Theory, News & General
Topic: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers
Replies: 70
Views: 9649

Re: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers

So far my father in law is financing a 30+ year retirement on a 30 year career with no end in sight.

But he was a civil servant.
by Atilla
Tue Jul 19, 2016 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Growing up and becoming an adult, lots of questions!
Replies: 19
Views: 2718

Re: Growing up and becoming an adult, lots of questions!

At night if I wake up and can't get to sleep right away I recite (loosely) something from Proverbs that says a man who finds a wife finds a treasure and is blessed by God. I do my best to always remember that. I also know that real love is not an emotion - it's a long string of decisions you make yo...
by Atilla
Tue Jul 19, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: What did/does/will your high schooler do during summer vacation?
Replies: 26
Views: 2303

Re: What did/does/will your high schooler do during summer vacation?

Working. Age 15 the boy had 2 lawn mowing/landscaping clients who paid cash for weekly and twice weekly work. Made him ride his bike there and back - neither clients were in our immediate neighborhood. :) Age 16 -17 the boy worked at McDonald's because it was explained to him that the car we bought ...
by Atilla
Thu Jul 07, 2016 3:05 pm
Forum: Personal Consumer Issues
Topic: Dealers list used cars way above KBB value, why?
Replies: 25
Views: 2717

Re: Dealers list used cars way above KBB value, why?

It was many moons ago, but back when I sold cars the profit margin was always higher on used cars than new.
by Atilla
Mon Jul 04, 2016 9:07 pm
Forum: Personal Consumer Issues
Topic: Condo vs Townhouse Living
Replies: 35
Views: 4632

Re: Condo vs Townhouse Living

And there are condos that are standalone houses on property that is owned in common. :sharebeer
by Atilla
Sun Jul 03, 2016 3:27 pm
Forum: Personal Consumer Issues
Topic: Moving Seattle -> Madison?
Replies: 33
Views: 2214

Re: Moving Seattle -> Madison?

I believe Madison has the most restaurants per capita of any city in the US - almost all are local/ethnic choices and not a bunch of chains. The variety is staggering. Lots of live music venues. Downtown is booming right now due to Epic hiring thousands and thousands of young folks who want to live ...
by Atilla
Thu Jun 30, 2016 1:46 pm
Forum: Investing - Theory, News & General
Topic: For those that "buy" during stock market downturns...
Replies: 158
Views: 10946

Re: For those that "buy" during stock market downturns...

I sold some individual stocks this spring in order to simplify and have been sitting on the cash waiting for a nice little semi-scary downturn. Lovely bride also took a few grand from her growing saving account and put it into her brokerage account for me to invest. Still sitting on that cash too. T...
by Atilla
Mon Jun 27, 2016 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Loans to Friends
Replies: 73
Views: 3935

Re: Loans to Friends

Once my very best friend knew i came into some money and asked me to lend him the money for a house down payment.

Without hardly thinking i told him no, but I'd rather give him the money if i was to do anything.

He got nothing and 15 years later we still best friends.
by Atilla
Sun Jun 26, 2016 5:51 pm
Forum: Personal Consumer Issues
Topic: Good Deal on a Pocket Pistol
Replies: 124
Views: 11054

Re: Good Deal on a Pocket Pistol

Depending on the pocket, a small revolver like the Ruger LCR is an option.

Also - while fatter in the middle than a semi auto - a small revolver can fit your body more comfortably depending on where it's carried. My LCR is my definite go-to for carrying in the winter. In summer it's the Seecamp.
by Atilla
Sat Jun 25, 2016 11:10 am
Forum: Personal Consumer Issues
Topic: Cross country move. Buy car and drive or ship things and fly?
Replies: 26
Views: 1763

Re: Cross country move. Buy car and drive or ship things and fly?

I would totally do the cross country drive. It would be awesome.
by Atilla
Sat Jun 25, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: Good Deal on a Pocket Pistol
Replies: 124
Views: 11054

Re: Good Deal on a Pocket Pistol

If you're REALLY looking for a pocket pistol, check out the Seecamp. It's a stainless steel work of art. I've had one for years and it has never not fired and fed quality ammunition reliably every single time. Being all steel it is heavy for it's size but boy is it small. I have one in my pocket now...
by Atilla
Thu Jun 23, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: Good Deal on a Pocket Pistol
Replies: 124
Views: 11054

Re: Good Deal on a Pocket Pistol

The LCP is a marvelously small and light pocket pistol. Wolff makes a set of heavier slide springs - install the heaviest one (13 pounds I think?) and it takes a lot of snap out of shooting it. The Crimson Trace laser made for it is very user friendly and excellent for a point-shooting gun like thi...
by Atilla
Thu Jun 23, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: Good Deal on a Pocket Pistol
Replies: 124
Views: 11054

Re: Good Deal on a Pocket Pistol

The LCP is a marvelously small and light pocket pistol. Wolff makes a set of heavier slide springs - install the heaviest one (13 pounds I think?) and it takes a lot of snap out of shooting it. The Crimson Trace laser made for it is very user friendly and excellent for a point-shooting gun like this...
by Atilla
Mon Jun 20, 2016 10:37 pm
Forum: Personal Consumer Issues
Topic: General Negotiating Tips
Replies: 72
Views: 7878

Re: General Negotiating Tips

General tips? Yes, a well timed and even long, uncomfortable silence when face to face can work. I screwed $500 out of an extremely reluctant customer who wanted to pay $zero in a high tension face-off doing this once. The line "is that the best you can do?" is a great counter. Last tip - ...
by Atilla
Fri Jun 17, 2016 10:19 am
Forum: Personal Consumer Issues
Topic: Any motorcyclists here? - First road trip
Replies: 33
Views: 2393

Re: Any motorcyclists here? - First road trip

The first day will be the toughest stamina-wise. After that you'll be fine. Buy a throttle lock to give your right hand an occasional rest. Consider a seat pad and pack your tank bag in a way that it's comfortable to rest on leaning forward. Stop only for gas to make good time and drink lots of flui...
by Atilla
Thu Jun 16, 2016 6:02 pm
Forum: Investing - Theory, News & General
Topic: Why do people buy annuities?
Replies: 125
Views: 16757

Re: Why do people buy annuities?

So I'll admit, I fly first class when I know I can get a better deal in coach. first class makes me happy, comfortable and less miserable. I'd love to fly first-class, but someone on this site once said "If someone offered you $3000 cash to sit in an uncomfortable chair and read a book for 8 h...
by Atilla
Wed Jun 15, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: I want to be Handyman for my tasks
Replies: 85
Views: 5303

Re: I want to be Handyman for my tasks

For out of the box advice - buy and read Zen and the Art of Motorcycle Maintenance.

It gives you an approach on how to solve mechanical problems. Dropping a fix-it problem that's giving you trouble and walking away to meditate on it for a solution has saved me many times.
by Atilla
Tue Jun 14, 2016 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: House Sale Proceeds Before Divorce Is Final?
Replies: 7
Views: 1247

Re: House Sale Proceeds Before Divorce Is Final?

It's been awhile but I remember it being written in the divorce agreement that we would split the home equity when the place sold. No escrow or anything - by agreement I just deducted what I owed each month for child support and started writing checks once my half of the equity was depleted. Final s...
by Atilla
Fri Jun 10, 2016 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off the mortgage today
Replies: 67
Views: 6389

Re: Paid off the mortgage today

A paid-off home is a financial fortress.
by Atilla
Thu Jun 09, 2016 8:26 pm
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 76
Views: 10436

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

Retired with a guaranteed stream of money - meh - a mortgage is probably fine. Working in the real world with no guarantee of anything? A paid off house becomes a fortress in hard times if you can reasonably swing it. Full disclosure - we live in the hood and our paid-for house is less than 20% of o...
by Atilla
Wed Jun 08, 2016 1:51 pm
Forum: Personal Consumer Issues
Topic: Bulk handgun ammo 9x18 mm
Replies: 23
Views: 2654

Re: Bulk handgun ammo 9x18 mm

Yes, aside from the huge savings buying online in bulk, there have been long periods in the recent past when some or many popular calibers are simply not available anywhere at a reasonable price. .22 long rifle is a great example. It still is hard to find in stores and the price is elevated when you...

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