Search found 1207 matches

by Atilla
Thu Aug 16, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 45
Views: 2711

Re: Seattle- mandatory affordable housing units affect single family home values?

I can't see this as a positive to your friend's property value. Best case scenario is there is not too much harm. How the affordable units are allocated to tenants and the building is managed will be key. If it's a 7 story high rise full of section 8 tenants, she's doomed. I can tell you first hand,...
by Atilla
Wed Aug 15, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4190

Re: Adult piggy bank

I use one of those big 5-gallon glass bottles you ferment beer in.
by Atilla
Thu Aug 02, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 96
Views: 8743

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

Minneapolis area is much larger and very sprawley. Traffic can be horrible if you have to commute. If you choose to live there, pick carefully so you are in a neighborhood with like-minded people and plenty of stuff to do close by. You don't want to move somewhere you will be isolated unless you get...
by Atilla
Fri Jul 27, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: DisneyWorld-Needing specific advice
Replies: 33
Views: 1908

Re: DisneyWorld-Needing specific advice

It's been 15 years - back when the boy was 5 but my recommendations: Stick with Disney and avoid Universal given the time constraints. Consider making 1 of your 3 days a "Disney Lite" day and spend half the day hanging at the resort pool Absolutely stay at a Disney resort for earlier/later park acce...
by Atilla
Thu Jul 26, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9270

Re: Toughest Purchase of my Life. Engagement Ring time

Get the girl the ring. Assuming you know the answer will be "yes". She will love it and get to flash it around to friends and family. 20 years later (hopefully) she will still love it. Now is not the time to get all cheap and reasonable. Put a ring she already has on any finger (pinky) of yours wher...
by Atilla
Mon Jul 23, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Pay for college with cash flow
Replies: 78
Views: 5019

Re: Pay for college with cash flow

I am currently cash flowing the boy's tuition, but I launder the money through a 529 account to get the tax deduction.
by Atilla
Sat Jul 07, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 4200

Re: Tipping in a hotel room/cruise ship room

Hotel - $5 each time I let them in the room - which is once every 2-3 days, I don't make a mess either.

If I was on a cruise, I'd tip up front - better service getting what you want in the room. You would stand out perhaps? Never done a cruise, but I'd want them to know from day 1 wasn't a cleapa$$.
by Atilla
Fri Jul 06, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: How do normal people afford the Bay Area?
Replies: 48
Views: 5212

Re: How do normal people afford the Bay Area?

I hope you all realize that the Bay Area is much more than SV and SF. There are many nice places you can buy for in the 800,000’s both single family homes or nice townhomes in good areas. If you want to live real close to SV or in the heart of SF,well then you are talking bigger bucks which is your...
by Atilla
Sun Jul 01, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13550

Re: What are your property taxes?

Around here property taxes are $4600 on a property assessed at $200,000. We do have income tax pretty flat at 6 percent. Breaks for the poor. Homestead exemption. We don't tax food on sales tax. The streets in our city should be paved in gold. Can't hardly buy a decent place in an ok neighborhood fo...
by Atilla
Fri Jun 29, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Charity giving how much? How much do other retirees give?
Replies: 44
Views: 4025

Re: Charity giving how much? How much do other retirees give?

Cash flow is twice your expenses, so that's good. How about give an amount equal to 10% or 20% of what you spend; and then allocate what's left after death however you want to fulfill your charitable wishes? My attitude is you want to give, but you don't want to allow yourself to become a burden eit...
by Atilla
Fri Jun 29, 2018 2:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 480
Views: 47325

Re: Pulled the trigger and paid off the house today

I wanted to frame the fancy paid off mortgage certificate we got and put it on the wall where people would see it.

Wife won't let me.
by Atilla
Mon Jun 25, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5319

Re: car for long-distance driving

I do a fair amount of driving for work - sometimes 300+ miles a day. Picked up a low mileage used Infiniti M37X - for under $25,000. Comfort is VERY good - I'm not stiff at all climbing out of the car after a few hours driving. Gas mileage is not the best you will get, but I see 26MPG highway regula...
by Atilla
Thu Jun 21, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 49
Views: 3403

Re: 3 nights in Vegas

On the Strip - definitely do not get a car. Limos are cheap and Presidential Limo will have an online special to get you from the airport to the hotel and back for a flat rate. Just tip the drivers - plus the pick up guy is happy to stop at a liquor store if you're the type to want to stock up the r...
by Atilla
Wed Jun 13, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Learning how to fix/repair things
Replies: 29
Views: 2404

Re: Learning how to fix/repair things

I learned how to install and tune a 383 stroker motor into an old Camaro right before the Internet became useful. Now with You Tube you can be completely clueless and if you are a capable person with basic mechanical skills do a lot of stuff on your own. The key is to have acquired basic skills and ...
by Atilla
Wed Jun 13, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Chipmunk Repellent?
Replies: 36
Views: 2795

Re: Chipmunk Repellent?

I'm a big softie. I used to hunt large and small game for food but killing cute little chipmunks I can't do. So I have a Hav-a-Hart trap I use and haul them off as needed to the park around the hill. As soon as you see destruction you don't like - trap the little bastards and haul them off until the...
by Atilla
Fri May 25, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: Folks, I'm calling the Tops for Bay area RE market
Replies: 46
Views: 2838

Re: Folks, I'm calling the Tops for Bay area RE market

Real estate is crazy here in upper midwest college town country. Crap tear down houses on tiny lots in trendy neighborhoods are going for $300K plus. Buyers are looking at buying a very small, un-renovated since the 1950s 2 bedroom house on a slab that will cost them $7,000 a year in property taxes ...
by Atilla
Fri May 25, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Rum and Summer Cocktails
Replies: 30
Views: 2125

Re: Rum and Summer Cocktails

Nothing fancy, but I have always preferred rum and orange juice vs. a screwdriver.
by Atilla
Mon May 21, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device [updated]
Replies: 56
Views: 3556

Re: Wifi + wired device

We use these Netgear thingies to run Roku boxes in parts of the house the wifi signal won't reach. They work like a charm - perfect streaming through a hard wired Internet connection to the devices.

http://www.netgear.com/home/products/ne ... L1000.aspx
by Atilla
Sun May 20, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: Challenge: guess the effect of rebalancing (by interval or bands) in 2008-2009
Replies: 35
Views: 4113

Re: Challenge: guess the effect of rebalancing (by interval or bands) in 2008-2009

Cool - I feel good about how I handled that time period. Never panicked and sold, but never re balanced either.

Turns out that was a perfectly fine strategy. :sharebeer
by Atilla
Thu May 17, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 5245

Re: New motorcycle rider

whodidntante wrote:
Wed May 16, 2018 8:43 pm
motorcyclesarecool wrote:
Fri Jun 26, 1970 11:20 am
Or, if you can document a safe ride of 1,000 miles in 24 hours, you can join the IBA
http://ironbutt.com/rides/ss1000.htm
I have done that. I did not know I was due an award, LOL.
My personal record is 750 miles in 11 hours on a 900cc 1983 Yamaha. 8-)
by Atilla
Thu May 17, 2018 6:26 am
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 3198

Re: Brake work estimate

The cost quoted on just pads isn't horrible - go ahead and let them do the work. I just did 4 rotors and pads myself on an Infiniti and the job took 4 hours including going to the store for brake cleaner and test drive afterward. Disc brakes are really easy to replace. Total cost was under $600.00 a...
by Atilla
Tue May 15, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 5245

Re: New motorcycle rider

No suggestions from me - but after you get decent experience riding you will become a better car driver. Car drivers are mostly idiots and on a motorcycle you see and experience this more intensely and will eventually gain a second sense that lets you (usually) predict what a car driver will do befo...
by Atilla
Fri May 11, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Lifting Heavy Objects onto a Vehicle Cargo Tray; Need Ideas!
Replies: 30
Views: 2547

Re: Lifting Heavy Objects onto a Vehicle Cargo Tray; Need Ideas!

Get an aluminum folding motorcycle ramp and roll the suckers on. Easy peasy and secure.Image
by Atilla
Tue May 08, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Las Vegas shows
Replies: 22
Views: 2276

Re: Las Vegas shows

Brad Garrett's Comedy Club at MGM. If you catch a night when Brad is there, it will be a treat. He does sort of a Rickles-lite improv routine between acts, acting as master of ceremonies. Really funny the way he interacts with the audience.

Brad is the brother from Everybody Loves Raymond.
by Atilla
Mon May 07, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 6720

Re: When to buy new underwear?

New undies each time you replace your used Accord/Camry? For that fresh car smell - replace both at 250,000 miles.
by Atilla
Thu May 03, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Moving downtown Chicago. Should I sell my car?
Replies: 41
Views: 2870

Re: Moving downtown Chicago. Should I sell my car?

I definitely see the attraction of selling the vehicle and simplifying your life for the next 2 years. Devil's advocate: You have free storage. Change the oil, fill the tank and add Sta-Bil to the gas. Put car on cheap jack stands to keep the tires from getting a flat spot, plug in a trickle charger...
by Atilla
Mon Apr 30, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Las Vegas Restaurants
Replies: 25
Views: 2145

Re: Las Vegas Restaurants

Not on the strip, but Binion's Ranch is like stepping back in time. Steak is very decent, service & price is good and it's like stepping back into 1964. Excellent views as it's the top floor of Binion's casino with booths up against the windows on all sides. Finding it is an adventure in itself - yo...
by Atilla
Thu Apr 26, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 6285

Re: Comfortable Commuter Cars under $50K

I picked up a low mileage (24,000 miles) 2012 Infiniti M37 last year for $23,000. Car is VERY comfortable on longer drives, roomy, quick and won't be mistaken for your dad's sedan. Highway mileage is decent for a larger car at 26 mpg. Look at used M37/Q70 - they are the same vehicle.
by Atilla
Fri Apr 20, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2921

Re: How long have you been employed?

Spring 1983 - 16 years old - until now. Have been unemployed a total of 1 day and that was because I quit a job on the spot when I was 24, not planning to quit that morning when I got up.

It took me 1 day to make a phone call and get another job.
by Atilla
Thu Apr 05, 2018 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Permanent DINK couples - Considerations, thoughts, etc?
Replies: 40
Views: 4778

Re: Permanent DINK couples - Considerations, thoughts, etc?

With no kids, you can use all that extra money to invest and have the means to pay people to be nice and take care of you in your old age. An aunt and uncle did that - hired live in help - great lady who lived with them for a number of years before they passed.
by Atilla
Thu Apr 05, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 75
Views: 7105

Re: Tequila and Magaritas

I'm not a tequila expert but I do like my shaken margarita on the rocks with salt. Tequila is one place you don't want to go cheap. Cheap rum or vodka - fine. But cheap tequila is just plain nasty in a bad way. Go with a reposado - a good compromise between white and anejo. I will not go cheaper tha...
by Atilla
Sun Apr 01, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Towel Warmers - worthwhile luxury or useless?
Replies: 39
Views: 3365

Re: Towel Warmers - worthwhile luxury or useless?

My bathroom towel rod is directly over a heat vent. :sharebeer
by Atilla
Wed Mar 28, 2018 3:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 21141

Re: A lot of heavy hitters this morning

It all depends. In Podunk Arkansas I'm King of the World. Lookit Mabel, we done become milyunaires. In San Francisco, I'm just another chump who can't afford to buy a decent house.
by Atilla
Wed Mar 28, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 10479

Re: How Do You Value Your Home for Net Worth Purposes?

I use assessed value. Around here that number is always lower than sale price for as long as I've been paying attention (last 25 years).
Home value is not figured into asset allocation or counted toward $$ needed to retire since we need to live somewhere.
by Atilla
Tue Mar 27, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Grass is always greener, federal edition
Replies: 59
Views: 7281

Re: Grass is always greener, federal edition

Add another pro to the government job - apparently you don't wake up at night sweating & stressing about your job? At the end of the day you can truly leave it behind? The dudes making big bucks I guarantee are paying for it 24/7 with stress and distraction when they are at home. I fight it all the ...
by Atilla
Sat Mar 24, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: How does it make sense to buy a condo/house in Texas?
Replies: 97
Views: 7569

Re: How does it make sense to buy a condo/house in Texas?

Or you can live where property taxes are 2.3% of assessed value each year - AND have income tax on top of that. It's one big reason we aren't upgrading our living situation - the property taxes get stupid real quick.
by Atilla
Tue Mar 20, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of College vs Starting Income
Replies: 94
Views: 4716

Re: Cost of College vs Starting Income

https://www.zerohedge.com/sites/default/files/images/user230519/imageroot/2016/08/18/College%20Inflation_0.png Speaks for itself. In-state high-quality public university is where the value is. So, basically all the major costs associated with having children have skyrocketed. I'm more cynical. I se...
by Atilla
Sun Mar 18, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: Buying a new wardrobe tomorrow | Indochino or other options?
Replies: 9
Views: 1517

Re: Buying a new wardrobe tomorrow | Indochino or other options?

Last suit I bought was from SuitSupply's Chicago store. Sharp, good quality suit for the price. They have locations near you - check them out.

https://us.suitsupply.com/en_US/stores?countryCode=US


Chicago store provided onsite alterations and shipped back to me when done.
by Atilla
Fri Mar 16, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: What are the jobs with the best medical insurance?
Replies: 51
Views: 3943

Re: What are the jobs with the best medical insurance?

Government jobs - from what I see around here it's Cadillac coverage with a very reasonable out of pocket expense.
by Atilla
Fri Mar 16, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 48
Views: 4095

Re: What is your favorite reasonably priced Rum?

Cheap everyday mixer rum - I find Rondiaz to be an excellent value, really tastes quite good.

For a bit more pricey - Captain Morgan 100 Proof is excellent and a great sipping rum. Totally different animal than the regular Captains which I find way too sweet.
by Atilla
Tue Mar 06, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Donations to your enrolled public school
Replies: 106
Views: 6518

Re: Donations to your enrolled public school

Our donation was quite substantial. 13 years of paying school property taxes while paying out of pocket to send the boy to a private school.
by Atilla
Sat Mar 03, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Housing Budget Check (paging Watty / KlangFool)
Replies: 86
Views: 7088

Re: Housing Budget Check (paging Watty / KlangFool)

Dude, seriously rent a bigger place for a year. I work from home and my wife used to. I get it about the space thing. But job insecurity, a new baby and a major new debt do not mix. And you are trying to do it all real fast. You have no idea what you are in for over the next two years. At least. Don...
by Atilla
Tue Feb 27, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: 3 layers of roof. Pull my offer??
Replies: 63
Views: 6246

Re: 3 layers of roof. Pull my offer??

If 3 layers of shingles isn't up to code, you can nail them. Should be good for a few bucks off the place if you are nice about it.
by Atilla
Mon Feb 19, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 46
Views: 5817

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: 7746

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: 7746

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: 4088

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: 2610

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: 4206

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: 2080

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...