Search found 968 matches

by Atilla
Mon Feb 01, 2016 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: 401k - Highly Compensated Employee?
Replies: 27
Views: 2208

Re: 401k - Highly Compensated Employee?

You're getting off easy. For a couple years I was limited to 3.5%. And the backdoor Roth wasn't available at the time. Bastards.
by Atilla
Wed Jan 27, 2016 5:00 pm
Forum: Personal Consumer Issues
Topic: Denver Vacation (with 6 year old)
Replies: 22
Views: 1352

Re: Denver Vacation (with 6 year old)

A quick day trip to Rocky Mountain National Park won't take long. At the top there will be snow.

Stop at Estes Park on the way and ride the cable car to to the peak and feed the hoards of fat chipmunks right from your hand.
by Atilla
Tue Jan 26, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Properly Assessing Public Schools
Replies: 55
Views: 3060

Re: Properly Assessing Public Schools

Info in Greatschools about our neighborhood elementary school reflects what I'm seeing. Our next door neighbors with young kids and friends down the street have both fled for another city. A third couple with young kids we know close-by is bailing this summer. 5th grade reading proficiency at our sc...
by Atilla
Mon Jan 25, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Traveling to Vegas soon. Advice or Suggestions?
Replies: 24
Views: 1829

Re: Traveling to Vegas soon. Advice or Suggestions?

Vegastripping.com is an excellent source of information.

Where are you staying?

Penn & Teller was an excellent act.
by Atilla
Sat Jan 23, 2016 8:48 pm
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 42
Views: 3578

Re: Stats on Americans 'cutting the cable' ?

We are in the process of cutting cable service. Got us a Roku box for Christmas with free month trials of Netflix and Hulu. It's a learning and adjustment process but as of early February no more programming from the cable company - just Internet service. Savings will be $75/month dropping the cable...
by Atilla
Sat Jan 23, 2016 7:34 pm
Forum: Personal Consumer Issues
Topic: Brake pads/rotors: will shop install my parts?
Replies: 24
Views: 1802

Re: Brake pads/rotors: will shop install my parts?

A good hole in the wall shop will install your parts and charge you fair labor. Thank goodness I have a place like that just down the street. I had a pair of top quality Bilstein replacement shocks I had intended to install, but crusty inaccessible bolts kept me from getting it done. The national ch...
by Atilla
Fri Jan 22, 2016 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: The Boglehead Way of Employment
Replies: 82
Views: 6604

Re: The Boglehead Way of Employment

My dad was a college professor who started out his work life with no ambition to go to college working construction. I ended up as a salesman, which I never dreamed of, expected or thought I would be any good at or make any money whatsoever. We both will end up making decent money in very long term ...
by Atilla
Fri Jan 22, 2016 7:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hope everyone is well [Preparing for Eastern US blizzard]
Replies: 102
Views: 4982

Re: Hope everyone is well [Preparing for Eastern US blizzard]

If this was happening here I'd be so stoked to go out and drive around first thing tomorrow I'd hardly sleep. It would be like offroading on city streets. Lock the differential in low gear before pulling out of the garage. Oh man. :sharebeer
by Atilla
Fri Jan 22, 2016 1:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hope everyone is well [Preparing for Eastern US blizzard]
Replies: 102
Views: 4982

Re: Hope everyone is well [Preparing for Eastern US blizzard]

Goodyear DuraTrac tires in 325/65R18 size. I have yet to find a depth of snow they can't handle on road or off.

If we were getting this storm here I'd be itching to get out and drive in it. :D
by Atilla
Sat Jan 16, 2016 7:36 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 127
Views: 12228

Re: I'm Calling an Emerging Markets Bottom

Wifey's 401K is great as far as offering tons of Vanguard options - but no emerging markets choice.

Me on the other hand - tons of DFA options in my 401K including emerging markets.

So - I'm heavy emerging markets to compensate and I been singing the blues for alooong time.

Sticking with it.
by Atilla
Sat Jan 16, 2016 7:12 pm
Forum: Personal Consumer Issues
Topic: How long can I let my car "sit" on vacation?
Replies: 47
Views: 3937

Re: How long can I let my car "sit" on vacation?

4 - 6 weeks is nothing. Get an automatic trickle charger for the battery for insurance and other than that don't worry about it. Been there & done that with cars and motorcycles sitting for months at a time. Longer than a season also consider treating the fuel and running it before storing. Crit...
by Atilla
Sat Jan 16, 2016 9:26 am
Forum: Personal Consumer Issues
Topic: Pizza Stone / Homemade Pizza Advice
Replies: 58
Views: 4071

Re: Pizza Stone / Homemade Pizza Advice

Using a cast iron pan works well.
by Atilla
Wed Jan 13, 2016 11:20 am
Forum: Personal Finance (Not Investing)
Topic: What age does LBYM (being a big saver) pay off?
Replies: 81
Views: 9782

Re: What age does LBYM (being a big saver) pay off?

It also pays off at any age in the case of job loss. When my wife lost her relatively high-paying job in 2009, her unemployment check covered half our household expenses because we have always lived far below our means.
by Atilla
Mon Jan 04, 2016 6:49 pm
Forum: Personal Consumer Issues
Topic: How do you have fun?
Replies: 73
Views: 5162

Re: How do you have fun?

I run for an hour most mornings regardless of weather. Zero degrees is no problem if it's not windy. Listen to music. Ride the VMax in spring, summer & fall. Hit the private pool on weekend summers. Las Vegas with the lovely bride one week a year. Take long walks to the post office and back. Wal...
by Atilla
Sat Jan 02, 2016 9:00 am
Forum: Personal Consumer Issues
Topic: RC Monster Truck recommendations
Replies: 8
Views: 611

Re: RC Monster Truck recommendations

The boy and I have Traxxas RC trucks in the 1:10 size. Battery powered, not nitro fueled. They take an incredible amount of abuse and are super fun and fast. I got us the 2 wheel drive versions for simplicity and they do a pretty good job climbing. I'm sure the 4 wheel drive ones do great. I don't t...
by Atilla
Fri Jan 01, 2016 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Someone dumped their boat on property
Replies: 18
Views: 2217

Re: Someone dumped their boat on property

If at all possible I'd find a way to drag it out to the side of the road and just leave it there.
by Atilla
Tue Dec 29, 2015 1:16 pm
Forum: Personal Consumer Issues
Topic: Price to replace the catalytic converters in a Toyota Highlander
Replies: 50
Views: 2760

Re: Price to replace the catalytic converters in a Toyota Highlander

The part can be ordered online for $147.56 each. Seems like a lot to tack on for labor.
by Atilla
Tue Dec 22, 2015 9:46 pm
Forum: Personal Consumer Issues
Topic: Beef roast
Replies: 124
Views: 7728

Re: Beef roast

I know this is a bit off topic, but I will sometimes buy a boneless rib roast and cut my own rib eye steaks to my exact preferred thickness. Rib roast is always a couple bucks cheaper than rib eyes. Have a 4 pound rib roast in the fridge right now and I think I'll try the slow cook then crispy outsi...
by Atilla
Sat Dec 19, 2015 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: dilemma over house division during legal separation
Replies: 98
Views: 8369

Re: dilemma over house division during legal separation

If that is the case that you want to stay in the house and buy her out, don't you dare agree to move out.

It will come back to bite you and she will end up with the place. I guarantee it.
by Atilla
Sat Dec 19, 2015 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: dilemma over house division during legal separation
Replies: 98
Views: 8369

Re: dilemma over house division during legal separation

The house needs to go on the market immediately. SHE wants a divorce and you need to move out. OK, fine. The house needs to be sold asap and everyone goes their separate way. $100,000 equity cashed out goes a long way for everyone to start over and live where it is affordable. That way if you're bei...
by Atilla
Fri Dec 18, 2015 10:07 am
Forum: Personal Consumer Issues
Topic: Bogleheads: Share how you like to vacation
Replies: 113
Views: 8721

Re: Bogleheads: Share how you like to vacation

One big vacation per year. Las Vegas for a week. Two room suite either at Four Seasons or Aria and a wad of cash about 4 inches thick folded over. :D
by Atilla
Wed Dec 16, 2015 5:21 pm
Forum: Personal Consumer Issues
Topic: Buying used car from dealer, tell me your strategy
Replies: 36
Views: 3688

Re: Buying used car from dealer, tell me your strategy

Dealer margins are higher on used cars than new. The other problem of used vs. new is attaching a value to the car. With new it's easy - it's a 100% known quantity. It is what it is. With used there is more gray area. I recommend plenty of Internet research to establish a range of value for what you...
by Atilla
Thu Dec 10, 2015 12:01 pm
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5820

Re: San Antonio vs. Morgantown, WV for 2 docs

I spent 10 days in San Antonio on business this past spring. Some impressions: A big-ish city but not too big. Didn't have to deal much with traffic but the drive from the airport at the outskirts to downtown was quick. The Riverwalk park extends for miles in both directions past the downtown touris...
by Atilla
Wed Dec 09, 2015 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 169
Views: 11142

Re: A car nicer than the boss?

For a while my other work car when I wasn't driving the '75 Electra was a 1980 Camaro with t-tops and a 383 stroker motor I installed myself. 2 1/2" dual exhaust and a big lumpy roller cam. On the dyno it put out 500 horsepower at 6,100 RPM. I was our company's highest paid national sales execu...
by Atilla
Sun Dec 06, 2015 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 169
Views: 11142

Re: A car nicer than the boss?

On the flipside when I bought a used 1975 225 Electra the work comments I got were "what's up with the Superfly car?"

That was a really great car. Half throttle and ride the wave.
by Atilla
Sun Dec 06, 2015 7:48 pm
Forum: Investing - Theory, News & General
Topic: Childrens' Student Loans Delaying Retirement
Replies: 153
Views: 10045

Re: Childrens' Student Loans Delaying Retirement

I've lived in a Big10 city since I started high school. Went to same Big10 school starting in 1985. One semester's tuition doubled from $750 when I started to $1,500 by the time I graduated. It was very do-able. I graduated with $3,500 in loans. I worked part time making a very good $7.50 an hour ba...
by Atilla
Wed Dec 02, 2015 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 306
Views: 66095

Re: Share your networth progression

2004: $0; $27,000 credit card debt cancelled out 401k balance. 2005: $160,000; inherited $40Kto wipe out all debt with extra left over & married a woman with retirement savings and a house. :D 2006: $314,000 2007: 410,000 2008: 347,000; financial crisis platter with a side of unemployment 2009: ...
by Atilla
Sun Nov 29, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Is it ever a good idea to make retirement date known?
Replies: 43
Views: 4127

Re: Is it ever a good idea to make retirement date know?

Don't make your retirement known until you're financially prepared to be kicked out the door the moment you say something. That's my plan.
by Atilla
Tue Nov 24, 2015 5:48 pm
Forum: Personal Consumer Issues
Topic: Protecting carpet from office chair wheels
Replies: 17
Views: 1336

Re: Protecting carpet from office chair wheels

I scored a folding wooden chair mat on Amazon.It was a hundred bucks or so, but I get to roll all day between two desks in my home office. Carpet underneath is unharmed. :beer
by Atilla
Tue Nov 24, 2015 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on paying Mortgage down vs Investing
Replies: 45
Views: 3235

Re: Thoughts on paying Mortgage down vs Investing

If the mortgage balance is only $50,000 I say pound it out and be done with it. Once we got that low on our mortgage we threw everything we had at it since we were so close.
by Atilla
Mon Nov 23, 2015 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Would you be Willing to Take On?
Replies: 53
Views: 6878

Re: How Much House Would you be Willing to Take On?

We have a decent family income but I'm cheap. My rule of thumb is no more than 1.5 times annual gross family income including down payment. :D
by Atilla
Sat Nov 21, 2015 3:36 pm
Forum: Personal Consumer Issues
Topic: Espresso Machine Recs
Replies: 67
Views: 4756

Re: Espresso Machine Recs

I'm on my second Krups combination coffee/espresso machine. The espresso side gets used twice a day. The coffee side once every 8 weeks when my dad visits. The first machine lasted about 4 years of abuse - two double espressos every day and cleaning the system only once every several months. Price i...
by Atilla
Tue Nov 17, 2015 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tell me (more) about Las Vegas
Replies: 51
Views: 6174

Re: Tell me (more) about Las Vegas

Las Vegas isn't very appropriate for anyone under 21. Just walking down the strip you will encounter "interesting" things and people. That being said, a nice hotel room close to a Cirque show you want to see and good available restaurants might be enjoyable for a family evening or two. Vda...
by Atilla
Sat Nov 14, 2015 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: High Earner Careers?
Replies: 254
Views: 26531

Re: High Earner Careers?

A job in sales on commission can pay well. Never thought I'd end up where I did, but have worked for a very small company since the 1990s (under $8 mil a year gross revenue). They pay me 7% of gross sales with a month a year paid vacation time. Health benefits suck so bad I don't bother to access th...
by Atilla
Fri Nov 06, 2015 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Electronic Door Locks
Replies: 17
Views: 1834

Re: Electronic Door Locks

I don't like the whole idea of the Internet of Things controlling my front door lock. I'll take a nice secure deadbolt properly installed, a barky dog and firm reliance on the Second Amendment and the Castle Doctrine. If stuff gets taken while you're gone - that's only stuff and insignificant. No ne...
by Atilla
Fri Oct 30, 2015 3:11 pm
Forum: Personal Consumer Issues
Topic: Best brands of Cowboy Boots (shopping for a gift)
Replies: 7
Views: 767

Re: Best brands of Cowboy Boots (shopping for a gift)

I have a pair of Nocona ostrich leg boots for 10 years or so - really like everything about them. Sharp, stylish & comfortable. I've talked to a boot guy when I was looking for another pair of the same brand and he had nothing but good things to say about them. They make a wide range of women's ...
by Atilla
Tue Oct 20, 2015 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is there an ideal age to retire?
Replies: 137
Views: 11368

Re: Is there an ideal age to retire?

Unless financial need or a real attachment to your career stops you - I say 55 is the perfect age to retire to doing something different, just for the enjoyment of it.

I want to get back into landscaping and brush up on my conversational Spanish. :)
by Atilla
Tue Oct 20, 2015 8:22 pm
Forum: Personal Consumer Issues
Topic: Why do people drink light beer ?
Replies: 84
Views: 5541

Re: Why do people drink light beer ?

I love a high octane IPA.

But sometimes it's hot outside and you have things to do and all you want to do is to power slam Corona or a Miller Lite and carry on.
by Atilla
Sun Oct 11, 2015 8:36 pm
Forum: Personal Consumer Issues
Topic: MEN, how do you carry your TABLET when Shopping?
Replies: 75
Views: 5913

Re: MEN, how do you carry your TABLET when Shopping?

Glenn wrote:
JDaniels wrote:
Wallet, left front pocket. Car keys, right front pocket. That's all a man needs.


+ pocket knife


+ Seecamp 32
by Atilla
Sun Oct 11, 2015 8:34 pm
Forum: Personal Consumer Issues
Topic: MEN, how do you carry your TABLET when Shopping?
Replies: 75
Views: 5913

Re: MEN, how do you carry your TABLET when Shopping?

I write stuff down on small pieces of paper and take that with me rather than haul along a tablet.

Not that there's anything wrong with that.
by Atilla
Thu Oct 01, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: How to sell an old car?
Replies: 55
Views: 3215

Re: How to sell an old car?

Craigslist. Don't worry about having potential buyers come to your driveway. Make it clear - cash only as-is. Offer it at a fair (and firm) price and it will be gone before you know it. Money talks and bull%hit walks. You can weed out the idiots beforehand by email who refuse to comprehend terms lik...
by Atilla
Mon Sep 28, 2015 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is private high school "worth it"?
Replies: 130
Views: 7135

Re: Is private high school "worth it"?

Worth every penny. My son is indoctrinated in ways that I agree with rather than in ways I totally oppose. :D
by Atilla
Mon Sep 28, 2015 12:24 pm
Forum: Personal Consumer Issues
Topic: Any Regrets Getting Rid of Land Line?
Replies: 74
Views: 5115

Re: Any Regrets Getting Rid of Land Line?

No regrets except for the ugly, unused wall mount phone jack in the kitchen wall.
by Atilla
Sat Sep 26, 2015 1:05 pm
Forum: Personal Consumer Issues
Topic: Live close to work AND in a good school district?
Replies: 57
Views: 3169

Re: Live close to work AND in a good school district?

Private schools associated with churches can be very reasonable in cost. Our son will graduate next spring and has always gone to the same private school. Tuition has never been more than $5,500 a year. He's been in band, played on the football and golf teams and has learned with more foreign studen...
by Atilla
Thu Sep 17, 2015 9:53 am
Forum: Personal Consumer Issues
Topic: Advice on Outdoor Stair Railing
Replies: 5
Views: 487

Re: Advice on Outdoor Stair Railing

Home Depot has a selection of aluminum outdoor handrails. Free shipping.
by Atilla
Thu Sep 17, 2015 9:47 am
Forum: Personal Finance (Not Investing)
Topic: It's official No SS COLA [Social Security Cost-of-Living Adjustment]
Replies: 66
Views: 3288

Re: August CPI released; SS COLA unlikely

This also means the income subject to SS tax won't increase either - correct? If so - that's great news for 2016 higher income earners.
by Atilla
Tue Sep 15, 2015 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being too stingy for a high-income household?
Replies: 223
Views: 17965

Re: Am I being too stingy for a high-income household?

New car/SUV is a no-brainer. Buy it. House is a different issue. We are not near your income level but we are comfortable. Wife kinda would like a nicer place but I put it to her in terms of me having to work longer as the higher-earning partner if we sell our mortgage-free place and buy something m...
by Atilla
Tue Sep 15, 2015 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should I leave Federal Job for a Private Sector Job?
Replies: 40
Views: 3335

Re: Should I leave Federal Job for a Private Sector Job?

A someone who has made $100,000 a year and then almost $170,000 a year - let me tell you - nothing changes. Noticeably higher income tax bill, some additional free income to spend or save; but nothing changes about the way you live everything else being equal.
by Atilla
Tue Sep 15, 2015 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Road trip: rent a mini-van or take my own?
Replies: 21
Views: 1818

Re: Road trip: rent a mini-van or take my own?

1,600 highway miles is not a big deal at all. A third of an oil change.

On the other hand, nothing parties like a rental. :sharebeer

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