Search found 1164 matches

by Atilla
Mon Feb 19, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 30
Views: 3327

Re: Chillin' in the BH Lounge

Investing for life
Low expenses are the key
Avoid Edward Jones
by Atilla
Sun Feb 18, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 6357

Re: How to get child's skin in the game for college?

After reading this very interesting thread, and contemplating my own college experience, I am warming up to one idea that came up from a few posters. That is if parents can afford it, they pay for non-tuition costs, the student is responsible for tuition. If a kid has a good scholarship at a state ...
by Atilla
Sat Feb 17, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 6357

Re: How to get child's skin in the game for college?

Tell the kid to get a job for any spending money. Parents pay for tuition, room & board but spendy money comes out of the kid's hide.
by Atilla
Wed Feb 07, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 3497

Re: Jogging in the cold.

It's not so much temperature but wind that gets you. I'll go running as cold as zero degrees or a bit lower if there's not much wind. Finding a way to cover your face while you can still breathe easily is the key. Personally I think running in the morning is good for you - clears the crap out of you...
by Atilla
Tue Jan 23, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: How much house can we afford (Madison WI area)?
Replies: 25
Views: 2322

Re: How much house can we afford (Madison WI area)?

Real estate in Madison area can be outrageously priced. Old tear-down houses on tiny lots in my preferred neighborhood run close to $300,000. Location will have a huge influence on affordability. Be very careful regarding public schools. ALL of our friends with school-age children fled the Madison d...
by Atilla
Fri Jan 19, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 3674

Re: How do you adjust side mirrors in a car?

The only correct way: Place head against, left window & adjust left mirror so you see the edge of the car as most people would sitting normally. Place head in center of the car and do the same with the passenger side mirror. Now mirrors are properly adjusted to eliminate the blind spot almost entire...
by Atilla
Thu Jan 18, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 36
Views: 1888

Re: How will or might nonprofits be affected by tax law changes?

We give regularly - every 2 weeks. No mortgage (paid off - ha!)but local property and state income taxes that along with the deductible giving made it worth itemizing. I ran the numbers to see if the new tax law would make sense to "bunch" giving into odd years to make itemizing worth it under the n...
by Atilla
Sun Jan 14, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 95
Views: 8089

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

Stuff happens you can never anticipate - good stuff (opportunities) and bad stuff. My "emergency" fund is small - but half is kept in cash in a handy, secure place. Money in a local bank checking account ain't necessarily "immediately" available. :moneybag
by Atilla
Sun Jan 07, 2018 3:38 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 27162

Re: Hitting The Sell Button

Tomorrow I'm selling my next-to-last individual stock holding. Looking back the 10 years I've held it I'm up 300% including dividends. Time to declare victory, sell and put the money into a 5 year CD to coincide with the time I may be stepping away from my career to do something less stressful and l...
by Atilla
Fri Jan 05, 2018 5:46 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 6069

Re: Misuse of adverse when averse was meant

All these smart people complaining about grammar using bad punctuation. :P Me, I ain't smart.
by Atilla
Sun Dec 31, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: 30K Spare Cash
Replies: 15
Views: 2582

Re: 30K Spare Cash

There is no such thing as "spare" cash or "extra" money. :D
by Atilla
Sat Dec 30, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: What is your threshold for paying down debt?
Replies: 89
Views: 5979

Re: What is your threshold for paying down debt?

My threshold for paying down debt is if I have any.

I've had lots of debt and I've had no debt.

No debt is a lot better.
by Atilla
Tue Dec 26, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 182
Views: 18196

Re: Call the top! - Bitcoin

Found out over dinner last night my best friend's son quit his director of marketing job to trade bitcoin full time. So whatever the highest price was/is as of today - that's the top.
by Atilla
Tue Dec 19, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Memories over money
Replies: 40
Views: 2841

Re: Memories over money

I still have fond memories of the dyno-verified 500 horsepower Holly carb old school 383 stroker smallblock I put into my 1980 Camaro. I can still hear the lumpy cam idle that would put a modern factory skat pack challenger to shame. :twisted:
by Atilla
Tue Dec 12, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 83
Views: 7088

Re: Ancestry / 23andMe

Heh, ancestry. 3 of four of my grandparents I'm told were 100% German. On a 10 day trip to Munich this fall only once was it assumed by a native (before I spoke a word- I know zero German outside what I know from old Hogan's Heros reruns) that I was not German. This includes the stewardesses on the ...
by Atilla
Sun Dec 10, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 13085

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

Love God, Love People. Everything else flows from that.

Love is a verb, a choice and not a feeling. :sharebeer
by Atilla
Sat Dec 09, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage as percentage of take-home pay
Replies: 79
Views: 6228

Re: Mortgage as percentage of take-home pay

Back when we had a mortgage it was $1,000 a month on a six figure family income and it bugged the hell out of us.

Killed the mortgage going on 4 years ago. The no cash flow at retirement thing is key to me, No. Cash. Needed. For. A. Mortgage. When. You. Want. To. Retire.
by Atilla
Sat Dec 09, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2716

Re: What MPG App Do You Use To Track Fuel Usage ?

Every time I fill my tank I do a quick calculation on my cell phone . Seems to run a good 1MPG less than what the car puter tells me my mileage is.

Mileage app? WT@?
by Atilla
Sat Dec 09, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 17311

Re: Save all this money, what do you splurge on?

We drive decent Japanese performance luxury cars (bought used) and take a nice vacation every year on our anniversary. 2018 - Aruba baby!

And Monday night is always Steak Night because everyone knows a fat steak on Monday makes Monday suck less. Ribeye is mandatory. :beer
by Atilla
Sat Dec 09, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Espresso Machine suggestions?
Replies: 41
Views: 2865

Re: Espresso Machine suggestions?

Gaggia Classic.

Reasonable price, simple to use & works like a dream. I use distilled water only so I never have to descale it.
by Atilla
Wed Dec 06, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Vegas on a budget
Replies: 49
Views: 3891

Re: Vegas on a budget

Since you're staying at Four Seasons - Charlie Palmer steak house has had unadvertised/weekly specials that can be quite a bargain considering the quality of the place - be sure to ask the concierge or do some research.
by Atilla
Mon Dec 04, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Family Finance Meeting Agenda
Replies: 23
Views: 2369

Re: Family Finance Meeting Agenda

I keep a Family Fortune spreadsheet and email an updated copy to the lovely bride every quarter, If she has a question about the contents she can ask, but usually doesn't.

Net worth, saving and investing conversations make her hot. :D
by Atilla
Mon Nov 27, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 73
Views: 6529

Re: Non Stick frying pan

I have 3 styles - Calphalon, Lodge and LeCreuset and use whichever is best for the task at hand. The Calphalons get tossed out and replaced after 4-5 years while the others last forever.

When it's quick and lazy cooking you want - non stick is the boss. Just not as durable.
by Atilla
Thu Nov 23, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Making collegebound Kid Financially Savvy Questions..
Replies: 49
Views: 3247

Re: Making collegebound Kid Financially Savvy Questions..

I didn't "get it" until my mid 30's. #1 son grew up seeing my reformed financial self and was able to take a Dave Ramsey financial class or two in high school. He knows we don't spend nearly what we make; and we invest for our old age. When he was given a car at 16 it was with the expectation that h...
by Atilla
Wed Nov 22, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 4591

Re: Public or Montessori Private School

For a child like yours I can't imagine public school as anything other than a downgrade compared to what you can afford privately.
by Atilla
Mon Nov 20, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 11241

Re: What are the things you want to do between 55 and 65?

I want to step back from the full time rat race, get a German Shepherd puppy, do a lot more of walking and biking. Long road trips with the wife and the new fierce protective hound to warm places in the winter, volunteer more than I do now, get to a shooting range much more. Right now I'm pressed fo...
by Atilla
Fri Nov 17, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 9507

Re: Tesla truck unnveil

Will the Tesla truck have an automatic slower traffic keep right feature?
by Atilla
Thu Nov 16, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Scottrade to TDA
Replies: 24
Views: 2211

Re: Scottrade to TDA

I'm waiting to see keep or rid of the flexible reinvestment program. I really love that feature about Scottrade.
by Atilla
Wed Nov 15, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5861

Re: Keurig died...what now?

Buy another Keurig if crappy, expensive, convenient coffee is your thing. But buy distilled water for 69 cents a gallon and only use that. The machine will last forever.

It's what I use for my kicka$# Italian-made espresso machine that I have never had to clean, except externally with a wet rag.
by Atilla
Wed Nov 15, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: How much to charge for nanny services on New Year's Eve?
Replies: 29
Views: 2312

Re: How much to charge for nanny services on New Year's Eve?

Holiday pay is Double Time. Charge no less than that. My God - New Year's Eve. NO less than Double Time and preferably a premium above that.
by Atilla
Sun Nov 12, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 17861

Re: Flying first class, business, versus economy.

The airline must matter a bunch too. We flew O'Hare to Munich on Lufthansa in the cheep seats and it was not bad at all. The whole 9 hour flight on the way over I only got up twice. Wife and I are both 6' tall. On the return, the final 1 hour connecting United flight - my back was killing me it was ...
by Atilla
Sun Nov 12, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Frontier Flight Fees
Replies: 17
Views: 1412

Re: Frontier Flight Fees

Frontier ain't what they used to be - they are definitely an el cheapo takes your chances airline now. However, if it's a direct flight and you figure all your fees into the cost I'd consider them. They recently started direct fights from our city to Las Vegas. All other airlines had to connect some...
by Atilla
Fri Nov 10, 2017 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 39199

Re: Did you tell anyone you paid off your mortgage?

We don't make a big deal, but over drinks with close friends if mortgages come up as a topic, wife and I might look at each other mock-quizzically and say "what is this mortgage thing you speak of?". I have a color photocopy of the official certificate but she won't let me frame it and hang it anywh...
by Atilla
Fri Nov 10, 2017 10:35 pm
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 69
Views: 5419

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

Nope - sold all my crap investments the same way I burned/tossed out all the pictures of me and the first wife after she decided to seek other relationship opportunities and said she wanted out.

Don't need the reminder.
by Atilla
Fri Nov 10, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: When would you take a part-time option?
Replies: 23
Views: 1953

Re: When would you take a part-time option?

I would consider a part time option when I tell my bosses I'm ready to retire and then they ask me to stay on part kind of time in some capacity. :sharebeer
by Atilla
Fri Nov 03, 2017 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 98
Views: 10339

Re: Should I decline Grand Prize trip because of taxes on winnings?

Here's my take: if it's legit and you can easily afford the taxes - take the trip. Who cares if you wouldn't think of spending your own money for a trip like this? Get outside your box and go on an adventure. Might be the time of your life. I say this having just come back from my wife's work trip t...
by Atilla
Tue Oct 31, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Breaking point to get a new to newish car
Replies: 59
Views: 3735

Re: Breaking point to get a new to newish car

Here's my breaking point thinking for what it's worth. Had a 2007 Hummer I bought new. As of spring 2017 it had close to 180,000 trouble-free miles and no signs of impending repair cost doom. BUT - 180K miles on a highly desirable (to those who want one) vehicle not made any more in excellent condit...
by Atilla
Sun Oct 29, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 10475

Re: we bought a house - are we housepoor now?

At about the same income and net worth, I would choke so bad even thinking about a house at that price.

But that's just me.

So my answer is "yes".
by Atilla
Thu Oct 26, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Warm Shirt for Winter
Replies: 41
Views: 4503

Re: Warm Shirt for Winter

Check out Under Armour loose-fitting "coldgear" tops. I live in them around the house in the winter. Relatively thin material yet nice and warm.
by Atilla
Fri Oct 13, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: [Social Security announces 2.0% benefit increase for 2018]
Replies: 26
Views: 3642

Re: [Social Security announces 2.0% benefit increase for 2018]

A lot smaller tax increase than 2016 ($118,500 max) to 2017 ($127,200 max). Boy did they jack it up last time. :x
by Atilla
Tue Oct 10, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest thing you ever heard of to save money
Replies: 34
Views: 2997

Re: Cheapest thing you ever heard of to save money

In college the few times I drove my car to class, I'd park illegally in an apartment parking lot, throw a piece of paper over the VIN number on the dash, remove my plates and park the car in a place it was a b!t** to tow away with the front wheels locked all the way left or right. Back then they tic...
by Atilla
Sun Oct 08, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 8357

Re: Do you want your receipt?

Jake James - my former neighbor and ex-....well let me just say that Jake said - always get a receipt. So you can prove where you were if someone official comes asking. I always get a receipt.
by Atilla
Thu Oct 05, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 4620

Re: How do you value your time?

If it's something I enjoy or don't mind doing - my time is worth $0.00.

If it's something I'd rather farm out, my time starts at $75/hour and goes up from there depending on aggravation level.
by Atilla
Fri Sep 29, 2017 5:28 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 16472

Re: Why do you LBYM? Why do you save and invest?

"My question to the member of the forum is this. What makes you different from others? What makes you believe that you could be LBYM, save and invest to make a difference in your life? I believe this will be a very interesting topic to discuss." For me it was finding myself divorced, living in a cra...
by Atilla
Wed Sep 20, 2017 2:16 am
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 67
Views: 5055

Re: Grass trimmer

I owned a Stihl gas trimmer for several years. Zero maintenance issues ever. I used fuel stabilizer and a gallon of gas/oil mix would last for more than a year - never any problems. Never even replaced the spark plug.
by Atilla
Tue Aug 29, 2017 6:44 am
Forum: Personal Consumer Issues
Topic: Exhaust Fan for the bathroom
Replies: 59
Views: 5151

Re: Exhaust Fan for the bathroom

We swapped out a noisy, 20 year old Broan with the same size Delta brand. Much quieter and moves more air. And by much quieter, I thought it wasn't working at first when I tested it after the install.

It was a drop-in installation I did myself.
by Atilla
Fri Aug 25, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: SUV thread (with a twist)
Replies: 44
Views: 4871

Re: SUV thread (with a twist)

Mininvans suck, but it might offer the better utility for what you need. Lower cargo access in the back for your wife and super easy to chuck the kids in and out of the back seats. If you can stand being seen in one, go see what's out there vs. all the small SUV options. My company has a Kia minivan...
by Atilla
Thu Aug 24, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 32829

Re: What to do when a parent's money runs out?

Oops - duplicate post