Search found 1125 matches

by Atilla
Fri Oct 13, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: [Social Security announces 2.0% benefit increase for 2018]
Replies: 26
Views: 3269

Re: [Social Security announces 2.0% benefit increase for 2018]

A lot smaller tax increase than 2016 ($118,500 max) to 2017 ($127,200 max). Boy did they jack it up last time. :x
by Atilla
Tue Oct 10, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest thing you ever heard of to save money
Replies: 34
Views: 2621

Re: Cheapest thing you ever heard of to save money

In college the few times I drove my car to class, I'd park illegally in an apartment parking lot, throw a piece of paper over the VIN number on the dash, remove my plates and park the car in a place it was a b!t** to tow away with the front wheels locked all the way left or right. Back then they tic...
by Atilla
Sun Oct 08, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7500

Re: Do you want your receipt?

Jake James - my former neighbor and ex-....well let me just say that Jake said - always get a receipt. So you can prove where you were if someone official comes asking. I always get a receipt.
by Atilla
Thu Oct 05, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3902

Re: How do you value your time?

If it's something I enjoy or don't mind doing - my time is worth $0.00.

If it's something I'd rather farm out, my time starts at $75/hour and goes up from there depending on aggravation level.
by Atilla
Fri Sep 29, 2017 5:28 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 14709

Re: Why do you LBYM? Why do you save and invest?

"My question to the member of the forum is this. What makes you different from others? What makes you believe that you could be LBYM, save and invest to make a difference in your life? I believe this will be a very interesting topic to discuss." For me it was finding myself divorced, living in a cra...
by Atilla
Wed Sep 20, 2017 2:16 am
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 67
Views: 4392

Re: Grass trimmer

I owned a Stihl gas trimmer for several years. Zero maintenance issues ever. I used fuel stabilizer and a gallon of gas/oil mix would last for more than a year - never any problems. Never even replaced the spark plug.
by Atilla
Tue Aug 29, 2017 6:44 am
Forum: Personal Consumer Issues
Topic: Exhaust Fan for the bathroom
Replies: 59
Views: 4438

Re: Exhaust Fan for the bathroom

We swapped out a noisy, 20 year old Broan with the same size Delta brand. Much quieter and moves more air. And by much quieter, I thought it wasn't working at first when I tested it after the install.

It was a drop-in installation I did myself.
by Atilla
Fri Aug 25, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: SUV thread (with a twist)
Replies: 44
Views: 4242

Re: SUV thread (with a twist)

Mininvans suck, but it might offer the better utility for what you need. Lower cargo access in the back for your wife and super easy to chuck the kids in and out of the back seats. If you can stand being seen in one, go see what's out there vs. all the small SUV options. My company has a Kia minivan...
by Atilla
Thu Aug 24, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 31490

Re: What to do when a parent's money runs out?

Oops - duplicate post
by Atilla
Tue Aug 22, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 44
Views: 2279

Re: Can you recommend a good mouse trap?

If you go the Victor route - cheap and very quick (humane) and effective by the way - make sure you name each victim Snappy as you release them into the trash. Victors have the advantage of you hearing them if you're home. I don't like to think a poor little critter suffers and the Victor gets it do...
by Atilla
Sun Aug 20, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 16055

Re: Jobs that pay over $100,000

Commissioned sales is definitely a way to $100K per year in a relatively short time frame. Company environment and the requirements of any particular sales job vary widely. One sales job he might hate ;and another he might tolerate or even enjoy. I was pretty aimless through college but managed to g...
by Atilla
Tue Aug 15, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 187
Views: 11962

Re: Postal Service -- "informed delivery"

Pervasive government surveillance turned into a consumer benefit!
by Atilla
Tue Aug 15, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Big family, small house dilemma -- kid bedrooms in basement?
Replies: 23
Views: 2758

Re: Big family, small house dilemma -- kid bedrooms in basement?

We use our finished basement as a master bedroom suite. There is a wall of half windows, so emergency escape is not a problem. It's cool, dark and extremely quiet. We have a bar, a large sectional sofa and big screen TV along with our bedroom set. Consider moving your bedroom to the basement and lea...
by Atilla
Tue Aug 15, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 44
Views: 3464

Re: What kind of hotel do you get on business travel?

Depends on the location and the job. Holiday Inn Express on the low end, and JW Marriott on the high end.

I've become spoiled - I notice when the glasses in the room are plastic cups wrapped in plastic instead of real glasses. :happy
by Atilla
Tue Aug 08, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Las Vegas Slot Machine Strategy (maximize entertainment value)
Replies: 31
Views: 2570

Re: Las Vegas Slot Machine Strategy (maximize entertainment value)

Maximizing entertainment value with slots to me means playing with a group of strangers. There is a Deal or No Deal machine at MGM. Along the right wall and toward the back if you enter from the strip. Just like the TV show with Howie and the girls with briefcases on the stage. You play with 3 other...
by Atilla
Fri Aug 04, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 6227

Re: Delta priority boarding - first timer

Go online at the Delta site and find your flights - make sure Sky Miles info is entered. And check in online and print your boarding pass ahead of time to make sure you got Zone 1/Priority You'll be among the first people they let on the cheap seats-guaranteed overhead bin room and way less hassle w...
by Atilla
Mon Jul 31, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Sunroom Worth It?
Replies: 15
Views: 2270

Re: Sunroom Worth It?

Absolutely yes! Our first small house had an uninsulated sun porch we lost use of when the weather turned cold. I raised the ceiling cathedral-style and insulated the floor, walls and ceiling. Added better windows & door, and the room was habitable year-round. Did all the work myself on the cheap. W...
by Atilla
Wed Jul 26, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: From Chi-Midway: Taxi, Uber, Lyft, or other?
Replies: 26
Views: 2184

Re: From Chi-Midway: Taxi, Uber, Lyft, or other?

Traveling within locations in downtown Chicago, a cab can sometimes be a tad cheaper than Uber according to a co-worker Regardless, I always use Uber in Chicago due to ease of use and the fact I get a receipt emailed to me showing the route taken and time of day - and don't have to mess with a credi...
by Atilla
Fri Jul 21, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Denver or Portland for a 2nd home
Replies: 66
Views: 5426

Re: Denver or Portland for a 2nd home

If you are coming from the South, presumably you would mainly spend the summer months in Denver or Portland. I've been in Denver in the summer and it is awesome. Dry weather and not too hot. As far as winter - I'd pick Denver again hands down. Very mild winters compared to the upper Midwest where I ...
by Atilla
Sun Jul 16, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 4948

Re: Rent in safer neighborhood or buy in less safe one?

One metric you can check is a website called (I think) Greatschools.com, It will give you the test scores of the nearest neighborhood public schools over time. Great indicator of the direction your potential new neighborhood is headed. Here, those numbers have been heading south real fast - but beca...
by Atilla
Wed Jul 12, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7908

Re: Do you consider business travel to be a perk or a burden?

Depends on the location and time of year,

Grand Forks in January, Philadelphia or Minneapolis in March = burden.

Scottsdale in November, Orlando, San Antonio and New Orleans in March = perk
by Atilla
Fri Jul 07, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Paid off the Mortgage!
Replies: 73
Views: 5769

Re: Paid off the Mortgage!

Sweet. We did the same 3 years ago. A paid for home is a nice block in building a financial fortress.

Makes it hard to consider moving. "We can't move - the place is paid for!" :sharebeer
by Atilla
Thu Jul 06, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can you buy a house with little or no income?
Replies: 24
Views: 2329

Re: Can you buy a house with little or no income?

My mother bought a house back in 2005 with no income. That brilliant decision is still costing me.
by Atilla
Thu Jul 06, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Passing through Las Vegas for 1.5 days..hiking
Replies: 19
Views: 1408

Re: Passing through Las Vegas for 1.5 days..hiking

You might consider staying at the M Resort and Casino about 10 miles outside of town. Absolutely first class in everything, extremely friendly staff and inexpensive considering the quality of the place. Check their room rates for your preferred dates. Free shuttle will take you to the strip for all ...
by Atilla
Wed Jul 05, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Delta Air - various classes of service
Replies: 59
Views: 3864

Re: Delta Air - various classes of service

Delta is my go-to preference. Both first class and Comfort Plus will get you on and off the plane before the rest of the riff raff, a guaranteed place in the overhead bin and free booze. They seem to run on time better than most. I can't stand American and am ambivalent about United when it comes to...
by Atilla
Mon Jul 03, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Best tool/technique for grill cleaning?
Replies: 23
Views: 2309

Re: Best tool/technique for grill cleaning?

Cleaning a grill makes it lose all its character. At most wire brush the cooking grill to get some of the heavy crud off then bang on it hard to make anything loose fall into the fire.
by Atilla
Thu Jun 29, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 20168

Re: Buying house - Very important decision

The very idea of spending this much on a house on a single income that low boggles my mind. Pure insanity - with all due respect. [OT comment removed by moderator prudent]
by Atilla
Mon Jun 12, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 6834

Re: Have you canceled cable?

Right now I pay for internet/phone/cable together as a package. I was thinking of canceling the cable part and keeping phone and internet. Has anyone done this and opted for other means of watching your favorite shows? I know Amazon prime has shows and I'm not very up to date on other places to wat...
by Atilla
Mon Jun 05, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 7733

Re: Pimp my DW's ride.

Whatever you decide - dark gangsta tint on the windows is mandatory. 8-)
by Atilla
Thu May 25, 2017 5:42 am
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 9787

Re: Suits: best bang for your buck?

SuitSupply is good for tall & slim people. They aren't the cheapest but you will get a sharp suit people will notice for not a ton of money.

I don't but shirts or ties from them - just the suit. Never ordered online from them as they have a store on Rush Street in Chicago I can get to.
by Atilla
Thu May 04, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 4277

Re: Vexing electrical problem in the house

Problem is almost definitely with the breaker box. Had an old house once and funky electrical things started happening suddenly (light switch in one room turned off lights in another room). Problem was with a faulty installation down at the breaker panel. Breaker panel was not original to the house ...
by Atilla
Wed May 03, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 21391

Re: Buying a luxury car (how dumb would it be to do this?)

I would totally go the late model used route. You'll get the vehicle you want for a LOT less money. My opinion is at your age you don't have enough $$ saved up to go buying something like that new. I just bought a low mileage (under 25,000 miles) used Infiniti M37X for under half the original sticke...
by Atilla
Sat Apr 29, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 138
Views: 13842

Re: Cost of car compared to Gross Income

Hit the nail right on the head - just bought a low mileage 5 year old M37X that came to 9.8% of gross annual income. Didn't even know about the 10% rule for buying a car.

My financial lizard brain told me not to spend any more. Who knew I was so smart? :P
by Atilla
Tue Apr 25, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 5937

Re: $300+ to remove a racoon. Really?

We had a racoon issue in the attic once . Sent the wife and boy off to Sunday church while firefighter neighbor and I went into the attic in coveralls, toting a big beatin' stick and a .22 loaded with shot pellet rounds. Critter was away at the time, so we immediately sealed off the entrance with ha...
by Atilla
Sun Apr 16, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: 'True' Cost Of A More Expensive House
Replies: 22
Views: 4019

Re: 'True' Cost Of A More Expensive House

We live in the hood, right up next to blocks and blocks of section 8 rental units. House is paid for, is nice and meets our needs - assessed at just under $200K. We like our immediate neighbors. A more expensive house just reduces your options and sets you up to work longer. So - we are millionaires...
by Atilla
Fri Apr 14, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 5283

Re: What do you do with your coins?

All nickles get diverted to my cigar ash tray for use in the circa 1910 slot machine in the living room. :beer
by Atilla
Thu Apr 06, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Need recommendation for home alarm system
Replies: 18
Views: 1342

Re: Need recommendation for home alarm system

The best home alarm - and deterrent - system I ever has was a pure black male German Shepherd. He was a big sweetie if you belonged in the house and a complete a-hole if you didn't. He deterred a crazy at the front door once who was coming after my wife. Late at night in a snow storm. Frank (the dog...
by Atilla
Tue Apr 04, 2017 4:04 pm
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 159
Views: 19057

Re: Social Security for Millennials

I'm an old fart Gen X-er, right on the first edge of that generation. It makes sense to take the government at their word when you get the annual "we ain't got yo money" statement from the SS Administration. Discount what you expect to get by their stated shortfall and plan you investing a...
by Atilla
Sat Apr 01, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 10434

Re: What career helped you become wealthy?

Sales - working 100% on commission. And marrying a woman with a solid career and good money habits.
by Atilla
Wed Mar 29, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 164
Views: 13322

Re: When do you plan to die?

I don't remember dreams very often but I had one a few weeks ago that stuck with me. I was visiting my grandmother at her house (who died in 2005) and she commented how she hadn't seen me in x years. When I woke up I did the math in my head; and if I was visiting her house in Heaven in my dream, it ...
by Atilla
Sat Mar 25, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 7690

Re: How did graduating out of daycare impact your finances?

Graduating from daycare affected nothing financially - started paying private grade school tuition. Now it's in-state public university tuition. University is by far the most expensive of the three. Really? In many states, full-time daycare is a lot more expensive than public university tuition. Fu...
by Atilla
Sat Mar 25, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 7690

Re: How did graduating out of daycare impact your finances?

Graduating from daycare affected nothing financially - started paying private grade school tuition. Now it's in-state public university tuition. University is by far the most expensive of the three. Really? In many states, full-time daycare is a lot more expensive than public university tuition. Fu...
by Atilla
Thu Mar 23, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 7690

Re: How did graduating out of daycare impact your finances?

Graduating from daycare affected nothing financially - started paying private grade school tuition. Now it's in-state public university tuition. University is by far the most expensive of the three.
by Atilla
Thu Mar 16, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 9370

Re: Tell me about Smart TVs and cutting cable

Dropping cable turned out to be way better than we thought it would when we did it over a year ago. The only downside is some college and pro football games aren't available - but we can live with that. That's why they invented taverns with televisions. Roku 3 boxes with regular TVs; we pay for Hulu...
by Atilla
Wed Mar 15, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 3383

Re: Relocation to Milwaukee

Wisconsin income taxes are a bit on the higher end - 99% of wage earners will be at the 6.27% marginal rate or lower. Sales taxes are on the low end and exempt a lot of necessities like groceries. Car registration is cheap at $75/year. Gas taxes are on the high side at 31 cents a gallon - but this i...
by Atilla
Tue Mar 14, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads handle allowance?
Replies: 38
Views: 3382

Re: How do Bogleheads handle allowance?

The boy was always paid for chores done - but not all of them. Never, ever an "allowance". No. Way. Some unpaid chores were expected as being part of the family - like clearing the table and putting the dirty dishes in the dishwasher, taking the trash to the curb. And keeping your room tid...
by Atilla
Thu Mar 09, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 6836

Re: Car engines. Turbo vs no turbo

My wife's car is a 2007 G35X. 300+ horsepower V6 with no turbo. My friend has an Impreza WRX of similar vintage - or probably a few years newer - 4 cyl. motor with turbo. Definitely not 300 horsepower. On a long road trip in the Impreza, he was keeping an eye on his cruising speed to keep it below t...