Search found 1179 matches

by Atilla
Fri Apr 20, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2449

Re: How long have you been employed?

Spring 1983 - 16 years old - until now. Have been unemployed a total of 1 day and that was because I quit a job on the spot when I was 24, not planning to quit that morning when I got up.

It took me 1 day to make a phone call and get another job.
by Atilla
Thu Apr 05, 2018 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Permanent DINK couples - Considerations, thoughts, etc?
Replies: 40
Views: 4444

Re: Permanent DINK couples - Considerations, thoughts, etc?

With no kids, you can use all that extra money to invest and have the means to pay people to be nice and take care of you in your old age. An aunt and uncle did that - hired live in help - great lady who lived with them for a number of years before they passed.
by Atilla
Thu Apr 05, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 59
Views: 4416

Re: Tequila and Magaritas

I'm not a tequila expert but I do like my shaken margarita on the rocks with salt. Tequila is one place you don't want to go cheap. Cheap rum or vodka - fine. But cheap tequila is just plain nasty in a bad way. Go with a reposado - a good compromise between white and anejo. I will not go cheaper tha...
by Atilla
Sun Apr 01, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Towel Warmers - worthwhile luxury or useless?
Replies: 39
Views: 3051

Re: Towel Warmers - worthwhile luxury or useless?

My bathroom towel rod is directly over a heat vent. :sharebeer
by Atilla
Wed Mar 28, 2018 3:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 17290

Re: A lot of heavy hitters this morning

It all depends. In Podunk Arkansas I'm King of the World. Lookit Mabel, we done become milyunaires. In San Francisco, I'm just another chump who can't afford to buy a decent house.
by Atilla
Wed Mar 28, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 9038

Re: How Do You Value Your Home for Net Worth Purposes?

I use assessed value. Around here that number is always lower than sale price for as long as I've been paying attention (last 25 years).
Home value is not figured into asset allocation or counted toward $$ needed to retire since we need to live somewhere.
by Atilla
Tue Mar 27, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Grass is always greener, federal edition
Replies: 59
Views: 6460

Re: Grass is always greener, federal edition

Add another pro to the government job - apparently you don't wake up at night sweating & stressing about your job? At the end of the day you can truly leave it behind? The dudes making big bucks I guarantee are paying for it 24/7 with stress and distraction when they are at home. I fight it all the ...
by Atilla
Sat Mar 24, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: How does it make sense to buy a condo/house in Texas?
Replies: 97
Views: 6588

Re: How does it make sense to buy a condo/house in Texas?

Or you can live where property taxes are 2.3% of assessed value each year - AND have income tax on top of that. It's one big reason we aren't upgrading our living situation - the property taxes get stupid real quick.
by Atilla
Tue Mar 20, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of College vs Starting Income
Replies: 94
Views: 4184

Re: Cost of College vs Starting Income

https://www.zerohedge.com/sites/default/files/images/user230519/imageroot/2016/08/18/College%20Inflation_0.png Speaks for itself. In-state high-quality public university is where the value is. So, basically all the major costs associated with having children have skyrocketed. I'm more cynical. I se...
by Atilla
Sun Mar 18, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: Buying a new wardrobe tomorrow | Indochino or other options?
Replies: 9
Views: 1407

Re: Buying a new wardrobe tomorrow | Indochino or other options?

Last suit I bought was from SuitSupply's Chicago store. Sharp, good quality suit for the price. They have locations near you - check them out.

https://us.suitsupply.com/en_US/stores?countryCode=US


Chicago store provided onsite alterations and shipped back to me when done.
by Atilla
Fri Mar 16, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: What are the jobs with the best medical insurance?
Replies: 51
Views: 3610

Re: What are the jobs with the best medical insurance?

Government jobs - from what I see around here it's Cadillac coverage with a very reasonable out of pocket expense.
by Atilla
Fri Mar 16, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 35
Views: 2159

Re: What is your favorite reasonably priced Rum?

Cheap everyday mixer rum - I find Rondiaz to be an excellent value, really tastes quite good.

For a bit more pricey - Captain Morgan 100 Proof is excellent and a great sipping rum. Totally different animal than the regular Captains which I find way too sweet.
by Atilla
Tue Mar 06, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Donations to your enrolled public school
Replies: 106
Views: 5832

Re: Donations to your enrolled public school

Our donation was quite substantial. 13 years of paying school property taxes while paying out of pocket to send the boy to a private school.
by Atilla
Sat Mar 03, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Housing Budget Check (paging Watty / KlangFool)
Replies: 86
Views: 6534

Re: Housing Budget Check (paging Watty / KlangFool)

Dude, seriously rent a bigger place for a year. I work from home and my wife used to. I get it about the space thing. But job insecurity, a new baby and a major new debt do not mix. And you are trying to do it all real fast. You have no idea what you are in for over the next two years. At least. Don...
by Atilla
Tue Feb 27, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: 3 layers of roof. Pull my offer??
Replies: 63
Views: 5886

Re: 3 layers of roof. Pull my offer??

If 3 layers of shingles isn't up to code, you can nail them. Should be good for a few bucks off the place if you are nice about it.
by Atilla
Mon Feb 19, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 46
Views: 5493

Re: Chillin' in the BH Lounge

Investing for life
Low expenses are the key
Avoid Edward Jones
by Atilla
Sun Feb 18, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 7073

Re: How to get child's skin in the game for college?

After reading this very interesting thread, and contemplating my own college experience, I am warming up to one idea that came up from a few posters. That is if parents can afford it, they pay for non-tuition costs, the student is responsible for tuition. If a kid has a good scholarship at a state ...
by Atilla
Sat Feb 17, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 7073

Re: How to get child's skin in the game for college?

Tell the kid to get a job for any spending money. Parents pay for tuition, room & board but spendy money comes out of the kid's hide.
by Atilla
Wed Feb 07, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 3676

Re: Jogging in the cold.

It's not so much temperature but wind that gets you. I'll go running as cold as zero degrees or a bit lower if there's not much wind. Finding a way to cover your face while you can still breathe easily is the key. Personally I think running in the morning is good for you - clears the crap out of you...
by Atilla
Tue Jan 23, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: How much house can we afford (Madison WI area)?
Replies: 25
Views: 2393

Re: How much house can we afford (Madison WI area)?

Real estate in Madison area can be outrageously priced. Old tear-down houses on tiny lots in my preferred neighborhood run close to $300,000. Location will have a huge influence on affordability. Be very careful regarding public schools. ALL of our friends with school-age children fled the Madison d...
by Atilla
Fri Jan 19, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 3767

Re: How do you adjust side mirrors in a car?

The only correct way: Place head against, left window & adjust left mirror so you see the edge of the car as most people would sitting normally. Place head in center of the car and do the same with the passenger side mirror. Now mirrors are properly adjusted to eliminate the blind spot almost entire...
by Atilla
Thu Jan 18, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 36
Views: 1939

Re: How will or might nonprofits be affected by tax law changes?

We give regularly - every 2 weeks. No mortgage (paid off - ha!)but local property and state income taxes that along with the deductible giving made it worth itemizing. I ran the numbers to see if the new tax law would make sense to "bunch" giving into odd years to make itemizing worth it under the n...
by Atilla
Sun Jan 14, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 95
Views: 8265

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

Stuff happens you can never anticipate - good stuff (opportunities) and bad stuff. My "emergency" fund is small - but half is kept in cash in a handy, secure place. Money in a local bank checking account ain't necessarily "immediately" available. :moneybag
by Atilla
Sun Jan 07, 2018 3:38 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 27583

Re: Hitting The Sell Button

Tomorrow I'm selling my next-to-last individual stock holding. Looking back the 10 years I've held it I'm up 300% including dividends. Time to declare victory, sell and put the money into a 5 year CD to coincide with the time I may be stepping away from my career to do something less stressful and l...
by Atilla
Fri Jan 05, 2018 5:46 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 149
Views: 7436

Re: Misuse of adverse when averse was meant

All these smart people complaining about grammar using bad punctuation. :P Me, I ain't smart.
by Atilla
Sun Dec 31, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: 30K Spare Cash
Replies: 15
Views: 2656

Re: 30K Spare Cash

There is no such thing as "spare" cash or "extra" money. :D
by Atilla
Sat Dec 30, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: What is your threshold for paying down debt?
Replies: 89
Views: 6253

Re: What is your threshold for paying down debt?

My threshold for paying down debt is if I have any.

I've had lots of debt and I've had no debt.

No debt is a lot better.
by Atilla
Tue Dec 26, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 182
Views: 18789

Re: Call the top! - Bitcoin

Found out over dinner last night my best friend's son quit his director of marketing job to trade bitcoin full time. So whatever the highest price was/is as of today - that's the top.
by Atilla
Tue Dec 19, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Memories over money
Replies: 40
Views: 3044

Re: Memories over money

I still have fond memories of the dyno-verified 500 horsepower Holly carb old school 383 stroker smallblock I put into my 1980 Camaro. I can still hear the lumpy cam idle that would put a modern factory skat pack challenger to shame. :twisted:
by Atilla
Tue Dec 12, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 83
Views: 7421

Re: Ancestry / 23andMe

Heh, ancestry. 3 of four of my grandparents I'm told were 100% German. On a 10 day trip to Munich this fall only once was it assumed by a native (before I spoke a word- I know zero German outside what I know from old Hogan's Heros reruns) that I was not German. This includes the stewardesses on the ...
by Atilla
Sun Dec 10, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 13691

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

Love God, Love People. Everything else flows from that.

Love is a verb, a choice and not a feeling. :sharebeer
by Atilla
Sat Dec 09, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage as percentage of take-home pay
Replies: 79
Views: 6891

Re: Mortgage as percentage of take-home pay

Back when we had a mortgage it was $1,000 a month on a six figure family income and it bugged the hell out of us.

Killed the mortgage going on 4 years ago. The no cash flow at retirement thing is key to me, No. Cash. Needed. For. A. Mortgage. When. You. Want. To. Retire.
by Atilla
Sat Dec 09, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2906

Re: What MPG App Do You Use To Track Fuel Usage ?

Every time I fill my tank I do a quick calculation on my cell phone . Seems to run a good 1MPG less than what the car puter tells me my mileage is.

Mileage app? WT@?
by Atilla
Sat Dec 09, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 18070

Re: Save all this money, what do you splurge on?

We drive decent Japanese performance luxury cars (bought used) and take a nice vacation every year on our anniversary. 2018 - Aruba baby!

And Monday night is always Steak Night because everyone knows a fat steak on Monday makes Monday suck less. Ribeye is mandatory. :beer
by Atilla
Sat Dec 09, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Espresso Machine suggestions?
Replies: 41
Views: 3067

Re: Espresso Machine suggestions?

Gaggia Classic.

Reasonable price, simple to use & works like a dream. I use distilled water only so I never have to descale it.
by Atilla
Wed Dec 06, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Vegas on a budget
Replies: 49
Views: 4024

Re: Vegas on a budget

Since you're staying at Four Seasons - Charlie Palmer steak house has had unadvertised/weekly specials that can be quite a bargain considering the quality of the place - be sure to ask the concierge or do some research.
by Atilla
Mon Dec 04, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Family Finance Meeting Agenda
Replies: 23
Views: 2478

Re: Family Finance Meeting Agenda

I keep a Family Fortune spreadsheet and email an updated copy to the lovely bride every quarter, If she has a question about the contents she can ask, but usually doesn't.

Net worth, saving and investing conversations make her hot. :D
by Atilla
Mon Nov 27, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 73
Views: 6802

Re: Non Stick frying pan

I have 3 styles - Calphalon, Lodge and LeCreuset and use whichever is best for the task at hand. The Calphalons get tossed out and replaced after 4-5 years while the others last forever.

When it's quick and lazy cooking you want - non stick is the boss. Just not as durable.
by Atilla
Thu Nov 23, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Making collegebound Kid Financially Savvy Questions..
Replies: 49
Views: 3349

Re: Making collegebound Kid Financially Savvy Questions..

I didn't "get it" until my mid 30's. #1 son grew up seeing my reformed financial self and was able to take a Dave Ramsey financial class or two in high school. He knows we don't spend nearly what we make; and we invest for our old age. When he was given a car at 16 it was with the expectation that h...
by Atilla
Wed Nov 22, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 4713

Re: Public or Montessori Private School

For a child like yours I can't imagine public school as anything other than a downgrade compared to what you can afford privately.
by Atilla
Mon Nov 20, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 11440

Re: What are the things you want to do between 55 and 65?

I want to step back from the full time rat race, get a German Shepherd puppy, do a lot more of walking and biking. Long road trips with the wife and the new fierce protective hound to warm places in the winter, volunteer more than I do now, get to a shooting range much more. Right now I'm pressed fo...
by Atilla
Fri Nov 17, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 9661

Re: Tesla truck unnveil

Will the Tesla truck have an automatic slower traffic keep right feature?
by Atilla
Thu Nov 16, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Scottrade to TDA
Replies: 24
Views: 2279

Re: Scottrade to TDA

I'm waiting to see keep or rid of the flexible reinvestment program. I really love that feature about Scottrade.
by Atilla
Wed Nov 15, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 6025

Re: Keurig died...what now?

Buy another Keurig if crappy, expensive, convenient coffee is your thing. But buy distilled water for 69 cents a gallon and only use that. The machine will last forever.

It's what I use for my kicka$# Italian-made espresso machine that I have never had to clean, except externally with a wet rag.
by Atilla
Wed Nov 15, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: How much to charge for nanny services on New Year's Eve?
Replies: 29
Views: 2365

Re: How much to charge for nanny services on New Year's Eve?

Holiday pay is Double Time. Charge no less than that. My God - New Year's Eve. NO less than Double Time and preferably a premium above that.
by Atilla
Sun Nov 12, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 18461

Re: Flying first class, business, versus economy.

The airline must matter a bunch too. We flew O'Hare to Munich on Lufthansa in the cheep seats and it was not bad at all. The whole 9 hour flight on the way over I only got up twice. Wife and I are both 6' tall. On the return, the final 1 hour connecting United flight - my back was killing me it was ...
by Atilla
Sun Nov 12, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Frontier Flight Fees
Replies: 17
Views: 1437

Re: Frontier Flight Fees

Frontier ain't what they used to be - they are definitely an el cheapo takes your chances airline now. However, if it's a direct flight and you figure all your fees into the cost I'd consider them. They recently started direct fights from our city to Las Vegas. All other airlines had to connect some...
by Atilla
Fri Nov 10, 2017 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 39732

Re: Did you tell anyone you paid off your mortgage?

We don't make a big deal, but over drinks with close friends if mortgages come up as a topic, wife and I might look at each other mock-quizzically and say "what is this mortgage thing you speak of?". I have a color photocopy of the official certificate but she won't let me frame it and hang it anywh...
by Atilla
Fri Nov 10, 2017 10:35 pm
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 69
Views: 5560

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

Nope - sold all my crap investments the same way I burned/tossed out all the pictures of me and the first wife after she decided to seek other relationship opportunities and said she wanted out.

Don't need the reminder.
by Atilla
Fri Nov 10, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: When would you take a part-time option?
Replies: 23
Views: 1985

Re: When would you take a part-time option?

I would consider a part time option when I tell my bosses I'm ready to retire and then they ask me to stay on part kind of time in some capacity. :sharebeer