Search found 984 matches

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: 43
Views: 3302

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: 2972

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: 1357

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: 1355

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: 122
Views: 15448

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: 1495

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: 2154

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: 3555

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: 4996

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: 6716

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: 112055

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: 4086

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...
by Atilla
Mon Feb 22, 2016 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: End of debit cards for me
Replies: 128
Views: 10178

Re: End of debit cards for me

We have 2 debit cards that get used only at our local discount grocery store that does not take credit cards. No one else in town matches their price and selection, so we use a debit card. In all other cases spending goes on a credit card. I want to use someone else's money to conduct my daily busin...
by Atilla
Sun Feb 14, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 178
Views: 12723

Re: Weight Loss Plans?

I lost 25 pounds in a relatively short time by going complete carb nazi. No bread or starchy veggies or fruits. No beer. Fresh beef, chicken and fish, green leafy vegetables and carrots, broccoli, eggs, bacon, sausage, cheese and coffee, water, rum or vodka. I ate all I wanted and exercised as I alw...
by Atilla
Tue Feb 09, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: Repair old car or buy new? A car illiterate needs some help
Replies: 40
Views: 2837

Re: Repair old car or buy new? A car illiterate needs some help

Bite the bullet and pay for the repairs. It's a no-brainer financially vs. any other option other than ditching a vehicle entirely if you have good public transportation.

Compare that repair cost with 3 months of new vehicle payments. It sucks but it's nothing in the grand scheme of things.
by Atilla
Mon Feb 08, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: Planning a High-Value Wedding Regardless of Cost
Replies: 55
Views: 3213

Re: Planning a High-Value Wedding Regardless of Cost

We got married on a Labor Day weekend Friday afternoon at a restaurant with nice outdoor grounds. They had a permanent tent on a concrete slab for summer events and fish boils so that's where we held the reception. The service was 100' away outside on the lawn. No wedding party other than best man/m...
by Atilla
Mon Feb 01, 2016 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: 401k - Highly Compensated Employee?
Replies: 27
Views: 2445

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: 31
Views: 2145

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: 3411

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: 1946

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: 3860

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: 1920

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: 7044

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: 5691

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: 5691

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: 176
Views: 21428

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: 4317

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: 4451

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: 10229

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: 5406

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: 659

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: 2292

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: 2925

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: 8528

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: 9127

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: 9127

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: 9431

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: 3878

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: 6532

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: 12251

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: 12251

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: 11192

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: 68071

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: 4415

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: 1516

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: 3493

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: 7270

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: 5283

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: 6476

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...

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