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Veni Vidi Decessi

Check the nameplate rating of the valve. Conventional direct acting pressure relief valves will simmer “leak” when within ~10% of their setpoint. It is possible that your boiler is slightly overshooting on temperature when coming up in the morning and getting into the simmer range.

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A bit of advice here: look up the number of everyday items that are directly made from the oil industry (hint, it’s most consumer items). Even if you avoid directly investing in them, any company in which you invest is going to, in part, trickle back to an oil company. Even “carbon free” companies l...

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Second Baby 411. Lot’s of great info for general baby care and psychology. The author also presents the information fairly, and cites multiple resources for each claim. Another one for a year down the road is French Kids Eat Everything. It offers a mindset shift towards food that is helpful for gett...

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Like many other consumer products, HVAC is a race to the bottom. I chose the cheapest brand to replace mine ($3100 installed vs Trane at something like $4,800 The lower installed cost will pay for a lot of repairs even if the unit is less reliable. Given that most parts are manufactured by the same ...

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MP173 Protein consumption vs muscle mass gain tends to follow a path of diminishing returns. The point at which no more observable benefit is found from protein intake depends on the person (age, etc), but it tends to be somewhere near 0.8g/lb of LEAN body weight. Note: this is the MAX recommendatio...

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Came for the “I bought a GT3 RS” Left. I'm sorry to disappoint. Maybe the others were right and $3 million is not enough to feel comfortable driving around a $200k car. There is a continuum that starts with FIRE and ends with YOLO. THere is no RIGHT answer. As in a(g) = 36 ft/s^2 Only opinions, sha...

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Suggest a game called Amnesia. Play at night with the lights off, and you’ll certainly be sweating!

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Thanks, all. No consumer debt to pay off (other than mortgage -230k remaining there). We cash flowed both child’s hospital expenses through an HSA the year they were born. 401k is not maxed yet. Both IRAs should be maxed every year from now on. Wife works part time outside the home, but only brings ...

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(To keep this actionable, perhaps post suggestions on how to handle this raise?) I just received a 20% raise that pushed me from the low 80s to the low 100s! I sat down with my boss last fall and showed him BLS stats on earners in my particular field, and showed him a local job listing that had a po...

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Your question was specifically regarding the furnace, though others have chimed in (correctly) that there isn't likely much of a cost difference in the two options. From a maintenance perspective for the furnace, the more start/stop cycles you have on your system, the shorter your equipment life wil...

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Jomax. You mix this with bleach (per the instructions), dilute with water, and spray. Wash down with a garden hose 1 minute later and you will be all smiles. I used this on my vinyl siding house - 2 story - that I could not reach with a ladder.

I found mine at a local Ace Hardware store.

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Sorry, my loan is a Fannie Mae loan, I believe. Since this loan is under the Fannie guidelines, the loan servicer should have to comply with the standards in the link I provided in the OP, no?

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We bought a house 2 years ago with 10% down, incurring PMI. We are now scheduled to hit 80% LTV this December. We had an interesting conversation with our mortgage servicing agency, and they mentioned that we would not be able to get rid of PMI until we reached 75% LTV. Based on some research I've d...

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Age: 27 Status: Married, 1 kid (another due this year) Net Worth Progression: 2014: $5,000 (Graduated w/no debt, married, started career, and had already found the Boglehead site by this point) 2017: $90,000 2019: $166,000 (Received a $20,000 inheritance) Income during this time has ranged from $70k...

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How do you suggest do away with their stress? I don't make as much as you ($75k), have less in retirement ($72k) and have $141k remaining on a $209k house. My wife stays at home with our one-year-old. Our PITI is $825 and it stresses me out like crazy. It makes me want to recast as soon as possible...

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Marty18, You live in a HCOL area and are 26, single, renting, with a not-insignificant possibility of getting married in the next 5 years. You also make $85k/yr with an unknown upside (what is your career path, money-wise?). I am in a similar boat as you, but with a few differences. I live in a LCOL...

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-buzz- wrote: ↑Tue Feb 12, 2019 3:23 pm
You asked for recommendations... that is what I wish we had done differently.

I did, and I appreciate your's and other's responses so far. I hope I don't come across as not listening! Part of wisdom is the ability to learn from others, and that's what I'm trying to do!

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: Start 529 accounts for your children at birth. Live on a budget. Discuss it together every month. 1st Comment: Thanks for sharing your experience. However, I never understood the reasoning for investing with a 529 over investing in a Roth IRA if I have the space available (which I do). I know I c...

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If you have enough extra to pay down a 30 year mortgage fast, you can save a lot by refinancing to a 15 year mortgage and getting a lower interest rate. This thread discusses the issue. Paying extra till you get rid of the PMI makes sense. But beyond that, you should either invest the money in stoc...

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It's been a few years since I last sought advice on this forums, so I'd like to take the time to ask y'all for a quick financial shakedown. Background: 26 years old, married with one kid (2 yo) and one on the way (thus the high HSA contributions!). We got married and started working when I was 22 yo...

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My wife's family was in a near-exact situation as you, with the exception of the trusts (had a house in the Arlington area that we rented out after my wife's grandmother, 91 and in good health, moved to assisted living). The numbers were close to yours as well - the house (yet to be sold) is priced ...

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Ideal maximum monitor size for 24" viewing distance 20/30 20/20 20/15 20/10 1080p (1920x1080) 23" 15" 11.5" 7.5" 2K (2560x1440) 30.5" 20" 15.5" 10" 4K (3840x2160) 46" 30.5" 23" 15.5" 5K (5120x2880) 61.5" 41" 31" 20.5"

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Addressing the mental side: Books. Find out what he likes to read (mystery, sci-fi, historical fiction, etc) and either read it to him or have him start reading. I was eight when I read the Lord of the Rings, Harry Potter, Little Women, Red Badge of Courage, etc series/books. My parents lavished me ...

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Couple of tips: Don't turn on the cold water when trying to get hot. Faucets are flow-limited, so turning full-on cold/hot taps will take approximately twice as long to heat up as the hot-only tap on. Same with the shower - turn all the way to hot for fastest heat up. On that note, all plumbing fixt...

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One way to minimize theft is to keep the minimum necessary in your checking account for your operating expenses from paycheck to paycheck + a small buffer ($500 has worked for us). Then, to avoid any possible fees from overdraft, link a savings account (again, for us, $500) for overdraft protection....

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The banks will take the balance they are owed from a foreclosure. The only way you lose all of your money is if the house is sold/auctioned/etc at a value lower than your remaining balance. If you only have one payment left, the likelihood of this is near-zero and is a misrepresentation of reality. ...

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I am closing today on a home in the southeast. I used an online lender (goodmortgage.com) that is based in NC. They have two divisions - brick and mortar and online division. I was told by the brick & mortar that the online was more competitively priced. PM me if you want the contact information...

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I came, I saw, I left...

I am the ultimate forum lurker. I have chosen to now surface from the shadows, dripping with intrigue and mystery, in order to give you a foretaste of what isn't to come!

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I recently used Autozone's loan a tool program, wherein you put a deposit down on the tool (which is the full purchase price) and then return the tool later on for a full refund of the deposit. The thing is, they seem to refund your money in cash. Does this mean this could be a source of manufacture...

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Just want to give a big thank you to all the helpful members on this forum. I found this site a few years ago as an engineering intern, and haven't looked back since. I have since gotten married, with my wife working part-time on a variety of things (most don't pay, but she enjoys them!). We are lik...

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I got my wife's diamond from Debebians, and got the ring from a local jeweler. Debebians by far provided the best price for the diamond alone, easily beating Blue Nile and other online retailers. They had a 30 day return policy, and customer service were very helpful. The ring itself was from Whiteh...

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Being a new investor myself, I recently went through this same situation. If you exceed the $10k threshold for the transition from Investor to Advantage, Fidelity will automatically convert your shares in the index from one to the other. However, this "automatic" conversion is not a comput...

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Rough Calculations: Starting at 700K, and assuming a 5% return, you'd need to contribute ~370K/yr to reach $13 million. At your current savings rate (~56k), you'd need a return of ~14%/yr to reach 13 million. That sounds very optimistic. OTOH, if you get 5% (real return, might also be optimistic) ov...

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what AA would you recommend? Land, cash and gold :) https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&TotalBond2=40&portfolio3=Custom&portfolio2=Custom&portfolio1=Custom&annualOperation=0&TotalStockMarket2=60&initialAmount=10000&endYear=2014&...

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Fellow Bogleheads: DW's parents (late 50's, early 60's) have read both Death of Money and Empire of Debt, apparently, and are fearful about the future (i.e. half-seriously thinking about buying a cabin in the mountains, leaving large sums of money in cash, etc). I don't know too much about the claim...

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packet wrote:
LAlearning wrote:Also, I will not click on your link.
LOL
I too refuse to click your link!

It's been a while since I've posted here. Is posting links frowned upon, or do I just seem like a shady character?

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On a lark, I clicked on a link (below) and ran across this interesting talk about a "new" discovery, which I highly suspect is the same old stuff repackaged for selling purposes - "new" method, promised astronomical returns, low risk (haha), exclusive club, etc. Anywhoo, I watche...

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The update helps quite a bit. Are you charged any additional fees or expenses (like: administrative; advisory; service; record keeping) in addition to those expense ratios? If so, how much? That will help you determine where its best to invest next, after contributing enough to get the full employe...

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Hi! I am just starting my first job (just finished my first week), and want to start setting up a simple 3-fund portfolio. My 401k is sponsored by Merrill Lynch, and has the following options, listed below. Company match is 9% on a 6% contribution. This money will likely account for a little over 1/...

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OP here: Perhaps I am in the minority here. I would argue to execute your plan. I think a couple years of sacrifice accomplishes two critical things: Living with heavy sacrifice builds confidence in your ability to endure hardship. I agree, for the most part. However, there is a differatiation that ...

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Please change that to "when we do start having kids." You need to adjust & change your entire mindset and thought process so that the "we" comes automatically. Bigger issue than finances, IMO. I mean the actual process of having (nearing birthing) a child - i.e. at ~9 months...

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I also think it's a poor investment for your wife to go through college to get her master's degree and only work for two years. As an aside, her college major was a duo in polysci and history. The masters gives her a marketable degree. She may work more than two years, as well. She also wants go ba...

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Hello there! I have just finished writing this post, and I want to thank you in advance for taking the time to read this. So, here is a bit of background before my barrage of questions: My fiancee and I will be married next year. I will be graduated by then (22 yo then), and have an expected salary ...

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Ah. I was unaware that deductions from retirement accounts were counted in your MAGI. I guess this question is more a moot point now. Thanks for all the info!

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Greetings! I come with my first post as a new convert to your ways! My question requires a bit of background information about myself: I will be graduating college next year, and have an expected starting salary of 65k-70k, based on national averages. Obviously all my numbers will change based on my...

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