Search found 1022 matches

by Atilla
Wed Jul 27, 2016 10:19 pm
Forum: Personal Consumer Issues
Topic: Interview in Silicon Valley - Suit?
Replies: 64
Views: 3131

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: 70
Views: 2582

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: 8778

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: 2574

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: 2030

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: 2459

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: 4333

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: 2094

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: 10194

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: 3588

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: 10236

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: 1641

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: 10236

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: 10236

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: 10236

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: 7303

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: 2213

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: 16054

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: 4713

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: 1180

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: 5919

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: 9762

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: 2535

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...
by Atilla
Tue Jun 07, 2016 7:48 pm
Forum: Personal Consumer Issues
Topic: Nuts & Bolts - hardware question
Replies: 40
Views: 2561

Re: Nuts & Bolts - hardware question

Yes - Ace Hardware if you have them in your area is the way to go. Bring the bolt you have and talk to a nice person about your problem.

You will walk out with a solution. Any other real hardware store I assume would do the same. Big box stores are not set up for stuff like this.
by Atilla
Mon Jun 06, 2016 8:35 pm
Forum: Personal Consumer Issues
Topic: Best AWD Sedan/Coupe?
Replies: 53
Views: 3883

Re: Best AWD Sedan/Coupe?

livesoft wrote:I would not have clicked on this thread if "$20K or under" was in the title. :twisted:


Yep - once I noticed the under 20K I quit reading.
by Atilla
Sun Jun 05, 2016 8:52 pm
Forum: Personal Consumer Issues
Topic: Bulk handgun ammo 9x18 mm
Replies: 23
Views: 2535

Re: Bulk handgun ammo 9x18 mm

Targetsportsusa.com currently has 9MM Makarov at 26 cents a round. Right in line with the Buds price. I love Targetsports because on lot of bulk ammo the price is super cheap - AND - shipping is free. Makes it a no brainer sometimes. I shoot 40 S&W and can get it from them for 25 - 26 cents a ro...
by Atilla
Fri Jun 03, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Anyone convert a van for travel/camping?
Replies: 38
Views: 3589

Re: Anyone convert a van for travel/camping?

I'll throw this in the mix - if you like tent camping, get one of these to back your regular van up to: http://www.acecanopy.com/resources/acecanopy/product/large/canopy10x20-1w115.jpg?8266 And have plenty of room to spread out in the shade/out of the rain. You can set one of these suckers up in 20 ...
by Atilla
Tue May 31, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Private school? Any regrets?
Replies: 92
Views: 6501

Re: Private school? Any regrets?

No regrets at all paying for private school. Kid graduates this weekend second in his class and accepted to a big 10 school to study engineering. Senior year tuition cost was around $5,500 - money well spent. All couples we're friends with who have school age kids have fled our school district my mo...
by Atilla
Sat May 28, 2016 6:05 pm
Forum: Personal Consumer Issues
Topic: tips for weight exercises/training
Replies: 81
Views: 5231

Re: tips for weight exercises/training

Long walks with a 2 pound weight in each hand is what I would recommend. Gets you outside and gives you time to relax and decompress. I run an hour a day first thing almost every morning with two 10 pound barbells and I'll be 50 soon. Sub zero and really rainy days are challenging but mostly I like ...
by Atilla
Thu May 26, 2016 8:21 pm
Forum: Personal Consumer Issues
Topic: Other Than Finances [Fun things to do]
Replies: 38
Views: 3066

Re: Other Than Finances [Fun things to do]

Hauling azz as fast as I dare down twisty country roads on a 1999 VMax.
by Atilla
Tue May 24, 2016 8:16 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 4806

Re: What was your first investment?

First investment was some kind of moderate fund through my 401K that held a healthy slug of bonds.

This was leading into and through the dot com bubble so even though I was way too conservatively invested for my age at the time it turned out well.
by Atilla
Mon May 23, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is this crazy? [Considering new job with pay cut]
Replies: 11
Views: 1941

Re: Is this crazy? [Considering new job with pay cut]

One of the nice things about living below your means and having some assets is you have FU money.

My wife just took a job at a vastly better employer with much more engaging work with an actual supportive boss. It pays less money but it doesn't matter. We have FU money. :beer
by Atilla
Tue May 17, 2016 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Hail damage on roof; what to do with Insurance Providers' $9,950 check
Replies: 51
Views: 4075

Re: Hail damage on roof; what to do with Insurance Providers' $9,950 check

We had a similar situation 10 years ago. We cashed the $5,000 check and put it in savings.

We also switched insurance companies immediately afterward to get a cheaper rate. :D

10 years later the roof is still fine.
by Atilla
Tue May 10, 2016 8:09 am
Forum: Personal Consumer Issues
Topic: House 'For Sale By Owner' - Can One Do It Alone?
Replies: 26
Views: 3696

Re: House 'For Sale By Owner' - Can One Do It Alone?

I have never sold a house any way other than FSBO.
by Atilla
Sat May 07, 2016 8:53 pm
Forum: Personal Consumer Issues
Topic: Rebuilding a Deck
Replies: 15
Views: 1524

Re: Rebuilding a Deck

I rebuilt our deck last summer and we considered composite vs. green treated decking boards. Composite cost was on the order of many magnitudes more expensive and neither of us cared for the look. I have had good results over the years by laying down green treated boards and letting them fester in t...
by Atilla
Fri May 06, 2016 2:01 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 14589

Re: how much cash do you carry in your wallet?

Around town - zero.
Business travel - $200 - $300.
Las Vegas - $2,000+

Around town in case of robbery, I also carry my little friend Leroy Brown in my pocket (.32 Seecamp - hat tip to Jim Croche).
by Atilla
Thu May 05, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 46
Views: 4919

Re: Just called Directv and saved $600 for one year

We ditched cable TV for the Roku/Netflix/Hulu Prime route. Savings is $90/month; now we pay something like $22/month. Got a digital antenna which pulls in another 23 channels. It's different and takes a little getting used to but there's more and better stuff to watch than there ever was with cable....
by Atilla
Wed Apr 27, 2016 4:32 pm
Forum: Investing - Theory, News & General
Topic: Best place to keep vacation funds and emergency funds
Replies: 47
Views: 4793

Re: Best place to keep vacation funds and emergency funds

We have used Emigrant Direct for many years. They pay .5% right now. I know we could do better, but for another half percent? Meh. I cringe about Ally since they are the old GMAC and took bailout money as part of GM. Goldman Sachs? I read their news feed about having greater liquidity and diversity ...
by Atilla
Wed Apr 27, 2016 4:23 pm
Forum: Personal Consumer Issues
Topic: Should I accept this offer on my house?
Replies: 52
Views: 3843

Re: Should I accept this offer on my house?

Yep- accept offer but the house "as is". That sucks them in and commits them.

See if that flies.
by Atilla
Wed Apr 27, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: fairly new router keeps checking out, get a new one?
Replies: 22
Views: 1652

Re: fairly new router keeps checking out, get a new one?

There is very likely something funky going on and your router is fine. You just need to figure it out.

I got a wireless headset once that interfered with my router. Drove me completely nuts until I figured it out.
by Atilla
Tue Apr 26, 2016 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: When to "cash-in" a 529?
Replies: 12
Views: 1521

Re: When to "cash-in" a 529?

Timely post. I have a smallish 529 account for the boy that will get burned up in the next year or two. He starts at college this fall. Yesterday I moved the whole chunk to a CD-based fund to protect the principal. Additional deposits will go to the Wellington Fund option where previous deposits wer...
by Atilla
Mon Apr 25, 2016 4:55 pm
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 144
Views: 18394

Re: Who else hates choosing a car?

Hate choosing a car? Not me! I know exactly what I want. Last time I knew I wanted a Hummer and nothing else. That was 9 years ago. Next year I'll be looking to move into an Infiniti used G37X. Can't wait. :sharebeer I will miss the flying brick- it's been a really great vehicle. I love doing oil ch...
by Atilla
Thu Apr 21, 2016 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Continue to work for a company you no longer agree with?
Replies: 17
Views: 1646

Re: Continue to work for a company you no longer agree with?

I'd have a problem if I was personally asked to engage in unethical behavior.

Just because I no longer "agreed with" the company would not be a reason to quit. If that was the standard, no one would work for the government. :D
by Atilla
Fri Apr 15, 2016 2:35 pm
Forum: Personal Consumer Issues
Topic: Decommisioning a laptop
Replies: 35
Views: 2610

Re: Decommisioning a laptop

Target practice? That should decommission it properly. :twisted:
by Atilla
Tue Mar 15, 2016 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Turning a Bogle eye on auto insurance for first time
Replies: 28
Views: 3758

Re: Turning a Bogle eye on auto insurance for first time

Dude just shop around like you presumably would for anything else. Might save you a couple-few hundred bucks a year.
by Atilla
Tue Mar 08, 2016 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a house with cash
Replies: 46
Views: 5400

Re: Buying a house with cash

Anyone ever look at mortgage interest like it was investment fees and the drag that would cause on returns? Cause that's what you're paying in order to invest vs. no mortgage.
by Atilla
Thu Mar 03, 2016 5:01 pm
Forum: Personal Consumer Issues
Topic: Cast Iron Frying Pans
Replies: 71
Views: 7426

Re: Cast Iron Frying Pans

Cast iron can work great. After use I clean with hot water only and follow up with a little oil rubbed in with a paper towel. Going from stove top to the oven to finish something off is great. I'll also just bake dinner in a cast iron pan. Making Cajun blackened steaks inside on the stove when the w...
by Atilla
Sat Feb 27, 2016 8:35 pm
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 535
Views: 114639

Re: That Frugal Thing You Do

During the week - breakfast, lunch, snacks & dinner are all home made. We use so many dishes and plastic leftover buckets the dishwasher gets run every 48 hours for just 3 people. Grocery shopping is done at the dirt cheapest place in town. Great selection but nothing fancy. Foxbrook Chardonnay ...
by Atilla
Fri Feb 26, 2016 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house at age 75?
Replies: 59
Views: 4381

Re: Buy a house at age 75?

I had an aunt and uncle who were well into their 60's who spent a boat load of money to make their entire house wheelchair accessible. The husband had MS and they were planning ahead. My mother made a comment at the time that it seemed like a waste to spend so much on remodeling given their age. The...

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