Search found 755 matches

by angelescrest
Tue Feb 21, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 6178

Re: Terrible negotiation - need help with words to use [Buying a car]

You know... if you hate negotiation, why not just go for a Costco or AAA deal with pre-negotiated prices? They won't be the lowest possible price. They'll be pretty close, without all of the stress. It's not worth having your stomach in knots over what's essentially an extra half percent to percent...
by angelescrest
Sun Feb 19, 2017 9:51 pm
Forum: Investing - Theory, News & General
Topic: VGK, VPL, VWO, & VSS vs VXUS?
Replies: 9
Views: 732

Re: VGK, VPL, VWO, & VSS vs VXUS?

Thanks lack_ey, this is precisely the kind of detail I'm looking for. I didn't know about the change from large/mid to total since the book was published. It doesn't sound like there's a compelling reason to keep on doing this. It would simplify my annual trades a bit.
by angelescrest
Sun Feb 19, 2017 8:42 pm
Forum: Investing - Theory, News & General
Topic: VGK, VPL, VWO, & VSS vs VXUS?
Replies: 9
Views: 732

Re: VGK, VPL, VWO, & VSS vs VXUS?

Is the any reason to overweight any of these segments in your portfolio--i.e. because you think one or the other will provide above market returns? If not, then VXUS is almost certainly the answer. I had thought his reason was to reduce correlation, which I had bought into. I enjoyed the book, but ...
by angelescrest
Sun Feb 19, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: VGK, VPL, VWO, & VSS vs VXUS?
Replies: 9
Views: 732

VGK, VPL, VWO, & VSS vs VXUS?

I got started on that path due to Ferri's All About Asset Allocation book years ago. Anyone still using those four ETFs or is it more efficient to just have VXUS? Tax-advantaged.
by angelescrest
Thu Feb 16, 2017 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10152

Re: Bogleheads not the norm?

Plenty of people make and spend 500k a year. A Boglehead would make 500k and save/invest 200k. Plenty of people make and spend 40k a year. A Boglehead would make 40k and save/invest 15k. This is not helpful, nor is it true. Being a Boglehead is about following certain principles, not about meeting ...
by angelescrest
Sun Feb 12, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Kitchen cabinets
Replies: 58
Views: 3988

Re: Kitchen cabinets

You should really consult with a design professional, especially if you don't want something trendy. The style of cabinetry you've identified are shaker cabinets, and those have been around for ages, say 1770s American colonial times. So Disregard any posts that say they are out of style. It isn't t...
by angelescrest
Fri Feb 10, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: Newer SUV, high milage vs older SUV with low milage
Replies: 8
Views: 708

Re: Newer SUV, high milage vs older SUV with low milage

Then perhaps she can just pick between '14 and '15. There's bound to be some feature one has vs the other that will make her go a certain direction.
by angelescrest
Fri Feb 10, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Costco - Aloha Soft Bedding/Sheets
Replies: 6
Views: 779

Re: Costco - Aloha Soft Bedding/Sheets

Interesting. Is Rayon softer and more breathable than other cotton sheets you've used?
by angelescrest
Fri Feb 10, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Costco - Aloha Soft Bedding/Sheets
Replies: 6
Views: 779

Costco - Aloha Soft Bedding/Sheets

Anybody tried these? My wife is there right now and says they're really soft. It's like $140 for a set of sheets, and made of bamboo. They market it as being twice as soft as cotton. What do Bogleheads say to this? We've purchased Amazon's Pinzon Pima Cotton Sateen Sheets for $70, and they seem to w...
by angelescrest
Sun Feb 05, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Attending Banff Mountain Film Festival
Replies: 37
Views: 2372

Re: Attending Banff Mountain Film Festival

I wouldn't write it off so quick. I haven't been there for that one, but attending a film festival is a wonderful experience, and the Canadians know how to host them perhaps as good as anyone. You get a wonderful, lively crowd, and many filmmakers attend. There's a great energy, though very casual, ...
by angelescrest
Sun Feb 05, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Gold jewelry where to go
Replies: 3
Views: 673

Re: Gold jewelry where to go

I understand the mark up is crazy 300 to 400%. ( I remember in the 1980's, JCPenney and others had pages upon pages of gold jewelry for sell). Now you can't find anything and what I see is Stuff like 12 grams (10kt) light as a feather necklace at $1000!! Looking for a great solid gold rope necklace...
by angelescrest
Sat Feb 04, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Car wash best practices in cold climates?
Replies: 37
Views: 2784

Re: Car wash best practices in cold climates?

This is the wrong forum for car care advice! A significant contingent thinks rain cleans their cars rather than being the source of dirt. (Maybe true in the desert) Check out Autopia or Meguiars Online. You are probably right. I live out here in the desert (Las Vegas). Cars get washed when they go ...
by angelescrest
Sat Feb 04, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Car wash best practices in cold climates?
Replies: 37
Views: 2784

Re: Car wash best practices in cold climates?

jebmke wrote:Our local car wash has spinning "brushes" but they are all made of cloth strips. I didn't think anyone used plastic anymore.

That's what I thought, too, until I took a closer look. I don't exactly live in the most modern town, or region.
by angelescrest
Sat Feb 04, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Car wash best practices in cold climates?
Replies: 37
Views: 2784

Re: Car wash best practices in cold climates?

Yep, for those of us in the north, this is a common issue. Over the years, Ive evolved starting with "quarter car washes" where you use their wand with soap and then rinse. I went at odd hours so I hoped no one would be waiting in line and I could take the time to dry off with my own towe...
by angelescrest
Sat Feb 04, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Car wash best practices in cold climates?
Replies: 37
Views: 2784

Re: Car wash best practices in cold climates?

Take a look around for self-wash options. You pull in, spray your vehicle down with a pressure washer, or use a brush-wand, rinse, you're done...cost you a couple bucks in quarters. If there isn't one in your town..sounds like a business opportunity. https://s-media-cache-ak0.pinimg.com/originals/7...
by angelescrest
Sat Feb 04, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Car wash best practices in cold climates?
Replies: 37
Views: 2784

Re: Car wash best practices in cold climates?

livesoft wrote:If you see someone with a clean car in the grocery store parking lot, ask them. That should get you the very local answer.

That would be the wash that scratches your paint.
by angelescrest
Sat Feb 04, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Car wash best practices in cold climates?
Replies: 37
Views: 2784

Re: Car wash best practices in cold climates?

Yeah that's pretty much what I had been doing, but as someone who is newish to salty muddy roads, I don't know what kind of life I can expect out of my cars because of it. I'd like to run them at least 13-15 years. Our winters here with snow go Nov-Mar, so it's a long time to keep your car muddy and...
by angelescrest
Sat Feb 04, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: Car wash best practices in cold climates?
Replies: 37
Views: 2784

Car wash best practices in cold climates?

I live in colder winter climates, where I can't hand wash my car outside when it's regularly below freezing. Most winters my car doesn't get clean too often especially considering how much salt and muck there is on the snow covered roads. I recently took my relatively new car to an automatic car was...
by angelescrest
Sun Jan 29, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: Preserving Old DVD Content
Replies: 20
Views: 1968

Re: Preserving Old DVD Content

You can simply copy all the files from the DVDs to your hard disks or other media -- you can see them in VIDEO_TS folder of each DVD (you can browse/copy the folders on a DVD the same as any others using Windows Explorer or other file management software). DVD playing software should be able to pla...
by angelescrest
Fri Jan 20, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Costco Sale vs Online
Replies: 8
Views: 1951

Turbotax Costco Sale vs Online

I've been doing turbotax online for years now, and it's been the Home & Business version mostly. This year it's $90, and renamed Turbotax Self-Employed, and then $37 for state filing. I also just saw Costco has a $15 off discount right now, and their Turbotax Home & Business is $65. What's t...
by angelescrest
Tue Jan 10, 2017 8:41 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 189
Views: 12875

Re: How Bad was 2008, really?

... snip...but for me the real fear would be the fear of stocks going down for like...decades. What is so scary about a 2 year blip? You hit the nail on the head. At the market low on March 9, 2009 the S&P 500 had declined 56.8% from the high on October 9, 2007 (dividends excluded). On March 9,...
by angelescrest
Mon Jan 09, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Is CreditKarma legit?
Replies: 14
Views: 1726

Re: Is CreditKarma legit?

I really enjoy credit karma. They're not pushy but softly remind me every month to click one button to monitor my credit. Very, very convenient. I saw their tax offer but haven't given it a shot--I would do so if my taxes were simple.
by angelescrest
Mon Jan 09, 2017 4:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 117
Views: 17808

Re: Sad News About a Respected Forum Member

Indeed, I got some invaluable feedback about a major annuity deal our family was wrestling with. See you on the other side, good man.
by angelescrest
Sun Jan 08, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Intuit Quickbooks for Mac
Replies: 11
Views: 1305

Re: Intuit Quickbooks for Mac

Well, I just upgraded to Sierra and my 2010 QB for Mac isn't working anymore. I do very, very basic accounting for my freelance business, mostly write invoices, note my expenses and occasionally pay other freelancers. Mostly this is to help me with taxes and keep some basic records. I'm dubious abou...
by angelescrest
Sun Jan 08, 2017 10:28 pm
Forum: Personal Consumer Issues
Topic: Which car paint option Maaco
Replies: 40
Views: 3465

Re: Which car paint option Maaco

Goal33 wrote:Your car is a beater. You need to embrace it's character or move on to a new vehicle.

Lol it's all in the eyes of the beholder. Sounds like he likes his car, so more power to the OP.
by angelescrest
Sun Jan 08, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 10715

Re: Is driving for uber worth it for side money?

It really does sound terrible. So why is it so popular?
by angelescrest
Sun Jan 08, 2017 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: 500K milestone celebration
Replies: 74
Views: 7187

Re: 500K milestone celebration

nwffdiver wrote:We too passed the same milestone this past year. I attribute this to the great education I've received on this forum. Well that and maxing out all my deferred options, and living under my means. Write down a plan, and stick to it, no matter what MSNBC says :happy

Congrats!!!!

You mean CNBC?
by angelescrest
Sun Jan 08, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6783

Re: Laundry lifestyle creep

livesoft wrote:Besides, stains can be a reminder of good times.

Work clothes can be another matter.

I used to say the same about work clothes. Then I became a white collar.
by angelescrest
Sun Jan 08, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 42
Views: 2640

Re: Tell me all about snowblowers

Lots of posts on this not too long ago.
by angelescrest
Sun Jan 08, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Requirements to change passwords frequently?
Replies: 42
Views: 3266

Re: Requirements to change passwords frequently?

Lists of passwords? I didn't think there were lists stored. If you lose your password, there is some authentication process to reset it, not to provide you with the old one. That reset process often involves a canned list of silly personal questions that other people could know the answer to (e.g. ...
by angelescrest
Sun Jan 08, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: How're we doing?
Replies: 33
Views: 3430

Re: How're we doing?

I definitely agree with the idea of waiting to have a child first before you decide what home you want. It's not easy because there is a nesting instinct in high gear, but until they're older it's hard to know what you actually need. Nice you settle in, you realize you can do a lot with a smaller sp...
by angelescrest
Sat Jan 07, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: Any Audi Wagon owners?
Replies: 29
Views: 2110

Re: Any Audi Wagon owners?

I remember the old Allroad had one of Audi's worst reliability ratings in their history. I think that model ended in 2006 or so? Just long enough for people to forget before they relaunched?
by angelescrest
Thu Jan 05, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Can you recommend a good food scale?
Replies: 14
Views: 700

Re: Can you recommend a good food scale?

I've been really happy with my Eatsmart precision pro, although getting the chrome surface was a mistake as it shows flour and mess so much more than a plain surface. No need to splurge on a scale. I use it mostly for baking where I need to be extremely accurate. Changed the battery only once over m...
by angelescrest
Wed Jan 04, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Car Title Question
Replies: 3
Views: 317

Re: Car Title Question

Great, thank you--that's very helpful. Been a long time since I looked at a vehicle title, much less bought a car.
by angelescrest
Wed Jan 04, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Car Title Question
Replies: 3
Views: 317

Car Title Question

Here's a pretty silly question. I bought a car from Hertz, and just received the title in the mail. I have a loan on it, and so it indicates the first secured party. At the top of the title, typed in is the following info: VIN, year, make & model, body style, title number, issue date, odometer, ...
by angelescrest
Tue Dec 20, 2016 9:55 am
Forum: Personal Consumer Issues
Topic: Best Car Value For $10K Or Less
Replies: 30
Views: 2094

Re: Best Car Value For $10K Or Less

Here's what I've found so far that I would consider: 2008-2012 Toyota Corolla is the top of my list (this is essentially the same car as I have now with the Pontiac, same engine.) These can go over $10k though and it's hard to find newer ones under $10k. 2009 Pontiac Vibe (sorry, I love my Vibe and...
by angelescrest
Thu Dec 15, 2016 6:16 am
Forum: Personal Consumer Issues
Topic: What temperature for house for long winter absence?
Replies: 70
Views: 84705

Re: What temperature for house for long winter absence?

FWIW, I use a dropcam in my great room area, with a thermometer close to the camera. It allows me to monitor it daily to check temps and make sure the furnace isn't off. I wish I had a way to be notified if the electricity went out.
by angelescrest
Mon Dec 12, 2016 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your net income do you save (not including 401k/IRA)
Replies: 59
Views: 4913

Re: What % of your net income do you save (not including 401k/IRA)

0%, and not maxing out those two accounts. That'd be a privilege for many Americans. Nowhere close to 10% on cars, more like 2-3%.
by angelescrest
Fri Dec 02, 2016 8:02 pm
Forum: Personal Consumer Issues
Topic: Lexus (and Toyota) Owners --- Routine Service ??
Replies: 29
Views: 2912

Re: Lexus (and Toyota) Owners --- Routine Service ??

I've never done the scheduled maintenance for my Toyotas. I do oil changes and replace worn parts. Latest 2015 Toyota requires oil changes every 10,000.
by angelescrest
Fri Dec 02, 2016 7:55 pm
Forum: Personal Consumer Issues
Topic: Apple vs. Samsung Android
Replies: 6
Views: 847

Re: Apple vs. Samsung Android

There is so much written about this out there in the blogosphere and tech publications. It comes down to personal preferences and other related devices you own.

You're asking about value, but you seem to be wanting to go with a particular aesthetic design.
by angelescrest
Fri Dec 02, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: 8mm Video Camera
Replies: 13
Views: 890

Re: 8mm Video Camera

If your son is in film school, this isn't a bad idea at all. Don't let the previous posts dissuade you as they are thinking as consumers and not filmmakers. He can send the film in to get it telecined to digital--he'll only be cutting on an NLE (editing software). There are times when the DP will wa...
by angelescrest
Mon Nov 28, 2016 7:15 pm
Forum: Personal Consumer Issues
Topic: When should I upgrade my wireless router? (RT-N56U)
Replies: 43
Views: 4437

Re: When should I upgrade my wireless router? (RT-N56U)

There are at least a few options to extend your wireless range, each with advantages and disadvantages. 1) A wireless access point (connected via ethernet from your router to a new location.) 2) A wireless range extender. Biggest downside is it halves your data throughput (IIRC). 3) Powerline adapt...
by angelescrest
Mon Nov 28, 2016 1:35 pm
Forum: Personal Consumer Issues
Topic: When should I upgrade my wireless router? (RT-N56U)
Replies: 43
Views: 4437

Re: When should I upgrade my wireless router? (RT-N56U)

There are at least a few options to extend your wireless range, each with advantages and disadvantages. 1) A wireless access point (connected via ethernet from your router to a new location.) 2) A wireless range extender. Biggest downside is it halves your data throughput (IIRC). 3) Powerline adapt...
by angelescrest
Sun Nov 27, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: When should I upgrade my wireless router? (RT-N56U)
Replies: 43
Views: 4437

Re: When should I upgrade my wireless router? (RT-N56U)

Thank you all for the helpful feedback. I updated the firmware, which caused some problems, and spent half the night working it out. I think we are good to go now, with the old router. We were previously using the 2.4GHz channel, and so now we switched to the 5GHz channel. The result is that it see...
by angelescrest
Sun Nov 27, 2016 9:11 pm
Forum: Personal Consumer Issues
Topic: When should I upgrade my wireless router? (RT-N56U)
Replies: 43
Views: 4437

Re: When should I upgrade my wireless router? (RT-N56U)

Since your current router has support for the 5GHz band and moving over to that band has smoothed things over for you, you probably don't have a compelling reason to upgrade at the moment. If you notice continued performance degradation in the 5GHz band, 802.11ac does have better technology to &quo...
by angelescrest
Sat Nov 26, 2016 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Mac 2017 Released
Replies: 16
Views: 2296

Re: Quicken Mac 2017 Released

abuss368 wrote:Thanks but ashame no Apple update. Considering all the Macs now in the world, that says a lot about the company.

Huh?
by angelescrest
Sat Nov 26, 2016 8:41 am
Forum: Personal Consumer Issues
Topic: What IS this? Salad tongs for elves?
Replies: 61
Views: 6689

Re: What IS this? Salad tongs for elves?

Is this the official Antiques Bogleheads thread?
by angelescrest
Wed Nov 23, 2016 8:52 am
Forum: Personal Consumer Issues
Topic: When should I upgrade my wireless router? (RT-N56U)
Replies: 43
Views: 4437

Re: When should I upgrade my wireless router? (RT-N56U)

Thank you all for the helpful feedback. I updated the firmware, which caused some problems, and spent half the night working it out. I think we are good to go now, with the old router. We were previously using the 2.4GHz channel, and so now we switched to the 5GHz channel. The result is that it seem...
by angelescrest
Wed Nov 23, 2016 7:04 am
Forum: Personal Consumer Issues
Topic: Do you use quick wash when using your dishwasher?
Replies: 29
Views: 3365

Re: Do you use quick wash when using your dishwasher?

Our kitchenaid has a variety of settings, including ProWash, Heavy Duty, and Normal. I don't really scrape the food off (unless there are large chunks of food), and Normal seems to do fine. If it's a massive load sometimes I use Heavy Duty but I don't know examine close enough to know what differen...
by angelescrest
Wed Nov 23, 2016 7:00 am
Forum: Personal Consumer Issues
Topic: Apple Watch 2 Distance from iPhone?
Replies: 11
Views: 1287

Re: Apple Watch 2 Distance from iPhone?

Your home spans 200 yards?

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