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Atilla

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.

Atilla

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...

Atilla

I got to spend 10 days in New Orleans on business this spring and had a lot of down time to walk around. First - I did not have a bad meal anywhere, and we never went to any place that would be considered "fancy". Found a few good hole in the wall places on the edge of the French Quarter n...

Atilla

Finding a local food pantry is an excellent idea. We are founding donors to the http://www.riverfoodpantry.org/.

We know the people who run it personally and we trust the organization completely.

Atilla

Medaglia Oro ground Italian espresso in a can. Super cheep at under five bucks for a 10 oz can. Run through a proper espresso machine - two double espressos every morning. I have found an espresso machine is super-efficient in extracting the maximum caffeine buzz per quantity of coffee used. Four sm...

Atilla

I love the Murano for the engine, but the CVT transmission it is now saddled with would take it off my list. CVT transmissions belong in riding lawnmowers. Questionable reliability and they take all the fun out of hearing gears shift. Hate them hate them hate them. I've been in a couple MDXs and was...

Atilla

If you decide to ditch cable for a Roku 3, the remote that comes with it is Bluetooth and has a headphone jack.

Atilla

We have direct experience with how rapidly "good" public schools can deteriorate. The test scores from the elementary and jr. high schools down the street have plummeted over the course of the last 5 years. It is stunning. We had 3 couples with young school-age kids we are friends with who...

Atilla

I try to eat fish for lunch during the week. Individually frozen salmon, tuna and mahi mahi are easy to find. Thaw a piece out and saute in olive oil with blackened fish seasonings. Take the fish out and throw in sliced onion and a big handful of dark greens like arugula or spinach. Cook just until ...

Atilla

The only advice I can give is about the money. Wife and I together make good change - me twice what she makes. We live way below our means like you do. I get paid 7% of my gross sales from the previous 4 quarters, reviewed quarterly. So pay fluctuates for me. Low point during the 2009 crisis was $11...

Atilla

Leave after dinner when it's bed time and haul it overnight as fast as you can. Can you still get ephedrine at truck stops?

Atilla

Ten to twenty years from now is when Millennials will start hitting peak earning years and the same time the Boomers will all be retired pretty much. Two huge generations with opposite interests. One that will vote religiously and another that may or may not. A safe bet if you are a younger worker i...

Atilla

Gas station burrito.

Atilla

Uber is your friend in Chicago. Surprisingly the cab cartel does not have the political pull to have it banned. I Uber it all the time downtown. Plus it's the north side, not the south side.

Atilla

The good thing about NOT buying a new car is you can always change your mind.

I live in the hood, have a 4x4 (American) SUV with 170,000 miles, do all the maintenance mostly myself, have dark tinted windows and carry a gun.

Atilla

A couple days short of a month per year.

It's hard to use it all up - I got things to do.

Atilla

Is there a price at which you would not pay for a 4 year degree? We are making debt slaves of our younger generations, just to have a seal of approval from "The Educated Ones". All the information is available for the taking, without the Seal. We just need to find a better way to connect ...

Atilla

Back when I bought individual stocks - yes - the thrill of buying was the same as gambling placing a bet.

When the bride an I hit Las Vegas in a couple weeks you bet I'll place some long odds bets that could pay off big. It's fun.

Atilla

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...

Atilla

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 ...

Atilla

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.

Atilla

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...

Atilla

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 ...

Atilla

It was many moons ago, but back when I sold cars the profit margin was always higher on used cars than new.

Atilla

And there are condos that are standalone houses on property that is owned in common.

Atilla

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 ...

Atilla

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...

Atilla

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.

Atilla

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.

Atilla

I would totally do the cross country drive. It would be awesome.

Atilla

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...

Atilla

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...

Atilla

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...

Atilla

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 - ...

Atilla

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...

Atilla

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...

Atilla

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.

Atilla

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...

Atilla

A paid-off home is a financial fortress.

Atilla

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...

Atilla

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...

Atilla

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.

Atilla

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

Yep - once I noticed the under 20K I quit reading.

Atilla

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...

Atilla

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 ...

Atilla

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...

Atilla

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 ...

Atilla

Hauling azz as fast as I dare down twisty country roads on a 1999 VMax.

Atilla

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.

Atilla

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.

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