Bogleheads.org

angelescrest

All of these physical destruction methods are inferior to a simple wipe, and then secure erase If you 0 out every bit on the drive, there is nothing to read Also, you could simply encrypt the drive, and then lose the encryption key Inferior? I beg to differ. I started the process of doing what you ...

angelescrest

jasper wrote:I live out west. CO
Try the Patagonia island hopper shirt

(I don't work for Patagonia)

I've been looking at Patagonia & Arc'teryx. The Island hopper--looks comfy, but it doesn't have a UPF rating?

angelescrest

I prefer natural fibers like cotton and linen, but I know they don't do much for sun protection. Do you actually "know" that from your own experience? I know some retailers want us to think that, but I've never gotten a sunburn under my clothing. You may not have gotten a sunburn, but tha...

angelescrest

I'm going to spend a month this summer outdoors in the rocky west, under the hot sun at an elevation of some 5000 feet. The temps are going to be from 75-80 probably, dry, somewhat dusty and windy, with the sun beating down on you. I can't stand putting on sunblock, and prefer long sleeve shirts and...

angelescrest

Many friends and colleagues have bought and are riding up while I'm starting to realize that I'm renting myself out of ever owning anything. That's partly why I'm especially interested in thoughts from HCOL buyers and renters. So if I could draw a red flag around this statement, I would. This is ex...

angelescrest

OP, follow your heart. You'll never know if it's right for you or not unless you explore the possibility.

Some parts of the country don't change all that much. And even if it does change, it doesn't mean you won't like it. All neighborhoods need folks who appreciate their town.

angelescrest

We bought a much bigger house than we expected, wanted, or needed, and had a one year old. But now, five years later, we are so glad we did. We have more kids, and always have lots of family and guests over to visit. It has really worked out. At the time we said we didn't care about the school distr...

angelescrest

Funny, I am with Amica and you beat me to posting the same thing. My homeowners is like $1400 or so, a very quick jump from $800 that it used to be. My home value is only 250 at most. I contacted them about it, and they said it was indeed a huge jump. After saying they would try to figure what was g...

angelescrest

This won't help the OP, but for others, try a rubbing compound like meguiars or 3M for these scratches. You'd be amazed at what you can get out with them. JT Yeah, I've done that on my car (and have been satisfied), but yeah gotta be fair to the owner. These are helpful responses--sounds like we're...

angelescrest

based on what you're describing, it actually sounds like a lot more. there's no dent, so they don't have to repair any dings or dents--this is paint, and no deep scratches.

angelescrest

So my wife scratched a bumper on another car in the parking lot. It's not major, but certainly visible. Our car ended up with more visible marks than the other. The car had been recently painted, and is an older but semi-luxury vehicle. She left a note saying we would pay to have it fixed, and after...

angelescrest

You've got me convinced--I think just doing a lump sum at the end of the year is what I should do as I really do hate paperwork.

Can you make direct payments from your account directly to the daycare provider?

angelescrest

Next year I'll spend about $3000 on daycare. I haven't used FSA Dependent care in the past, and am wondering if I should? I obviously file for the child care tax credit, and find that much simpler than doing the reimbursement process for the FSA. I know, people say it's simple, but I find the paperw...

angelescrest

Very, very helpful. Thanks folks. I will go with lot E, and hope that at 8AM there will be enough people leaving to guarantee a spot. I got a notice from United that due to spring break the lines will be longer. I'm assuming 2 hours for a domestic will be enough.

angelescrest

dbltrbl wrote:Try Holiday inn express or some other hotel which have shuttles to Airport.Pay them and ride easy.

Thanks, but as mentioned above they're all booked too.

angelescrest

Anybody tried economy or daily lots during busy holidays? How full can they get?

angelescrest

johnny141 wrote:http://globalairportparking.com

Basically they partner with hotels and you park there (with permission) and use the hotel shuttle. Decent prices and shows shuttle times/frequencies

Tried this now, and it shows everything is unavailable.

angelescrest

TMQ206 wrote:Are you including hotels with shuttles that have park n fly in your third party parking? Not all airport hotels at ORD require you to stay overnight, as I recall. My family did this for years as we lived over an hour from ORD.

This is a great suggestion, but yes they too are all booked up.

angelescrest

100+ miles.

angelescrest

I have a flight out of ORD in the morning, and literally every single third party parking lot is booked. Maybe it's a good sign the spring break economy is thriving. Anyhow, I might be stuck chancing it with their economy lot, which is either $17 or $10 for lot E or G. I know it's first come first s...

angelescrest

ruralavalon wrote:Just for informational purposes, currently the median household income in the U.S. is about $56k.

This is a pretty humorous thread. Folks making just under $100K calling it "low-income"? Our family makes much less, and we aren't low income. Please change the title.

angelescrest

With all the concerns that folks raised, I am interested if anyone on this forum is going the way of Warren Buffet. Not that anyone here may be a billionaire, and I'm sure Buffet is leaving his children some money, but why does one have to give it all to their children, if indeed they were raised we...

angelescrest

Would it help if you sat down with your wife and showed her via firecalc or a spreadsheet what a difference it would be if you two waited for another five years or so before buying a house? You two would put away so much more money and potentially even be able to have a much higher down payment whic...

angelescrest

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...

angelescrest

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.

angelescrest

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 ...

angelescrest

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.

angelescrest

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 ...

angelescrest

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...

angelescrest

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.

angelescrest

Interesting. Is Rayon softer and more breathable than other cotton sheets you've used?

angelescrest

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...

angelescrest

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, ...

angelescrest

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...

angelescrest

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 ...

angelescrest

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.

angelescrest

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...

angelescrest

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...

angelescrest

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.

angelescrest

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...

angelescrest

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...

angelescrest

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...

angelescrest

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...

angelescrest

... 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,...

angelescrest

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.

angelescrest

Indeed, I got some invaluable feedback about a major annuity deal our family was wrestling with. See you on the other side, good man.

angelescrest

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...

angelescrest

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.

angelescrest

It really does sound terrible. So why is it so popular?

angelescrest

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

Congrats!!!!

You mean CNBC?

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