Search found 1088 matches

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: 3622

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: 3885

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: 992

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. :D He deterred a crazy at the front door once who was coming after my wife. Late at night in a snow storm. Frank (the ...
by Atilla
Tue Apr 04, 2017 4:04 pm
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 144
Views: 13134

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: 8427

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: 143
Views: 7960

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: 6602

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: 6602

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: 6602

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: 7597

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: 2756

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: 2979

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: 5176

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...
by Atilla
Sun Mar 05, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should federal employee communicate 18 months to retirement?
Replies: 44
Views: 3351

Re: Should federal employee communicate 18 months to retirement?

I don't care where you work - the smart thing is to keep your trap shut until you are ready to be shown the door the minute you say something about leaving.
by Atilla
Sat Mar 04, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: Nice portable Bluetooth speakers
Replies: 17
Views: 961

Re: Nice portable Bluetooth speakers

The Bose Mini makes stupid good sound out of a small package. Look nowhere else.
by Atilla
Fri Mar 03, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: When & how much to donate?
Replies: 94
Views: 5242

Re: When & how much to donate?

Again, not seeking arguments just listening to peoples thoughts. :happy I started giving regularly when I was up to my neck in consumer debt, separated and living in a 1 bedroom sublet apartment. It worked out just fine. Give what you determine you want to and don't worry about it - you can always ...
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: 76
Views: 6026

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 Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 4752

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: 65
Views: 4503

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: 11117

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: 317
Views: 16276

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: 5718

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: 1308

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: 8506

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: 1493

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: 6885

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: 754

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: 17513

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: 6771

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: 30125

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: 2548

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: 3717

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: 3717

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: 2276

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: 11943

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: 2761

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: 2482

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: 6445

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: 3836

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: 70
Views: 8433

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: 290
Views: 36934

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: 5000

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: 4144

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: 12091

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: 4235

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: 2692

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: 5944

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: 3668

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: 573

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: 26682

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...

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