Bogleheads.org

angelescrest

These are some incredibly informative posts. Thank you so much. In my world of digital media and new media, it’s how the tools help me make creative decisions (or solve narrative/visual/design problems) that I’ve always enjoyed, and I don’t obsess much about the tools themselves like some of my coll...

angelescrest

I pushed for bringing Tableau into our company, and worked with it a couple years until I retired this year. You don't need a background in programming to use it effectively. But you do need to REALLY understand data. The challenge is designing visualizations that answer questions the users have, o...

angelescrest

Look forward to reading the new book. Not to take anything away from The NMND, but it looks like a similar-themed book will be coming out by Dave Ramsey's crew in January 2019... Everyday Millionaires: How Ordinary People Built Extraordinary Wealth―and How You Can Too https://www.amazon.com/gp/prod...

angelescrest

I have been recently dabbling in data visualization, but I am just at the introductory level. I am fascinated with it, and it feeds my work in communication and media, where information, digital media, storytelling, and creativity are valued. I am not, however, a quant, and the pure math side of big...

angelescrest

I loved the original; it did a lot to inspire me. Based on what has happened in America over the past two decades with regard to economic inequality, I fear the information here in this new version will only depress me—but I hope I’m wrong.

angelescrest

1. 9% Schwab U S Large Cap ETF [SCHX]. (Not sure if I shall keep this one, its ER is 0.03% and it's 750 largest companies). 2. 81% Vanguard 500 Index Fund [VOO]. 3. 5% Vanguard Total Stock Market ETF [VTI] (Planning to increase my fraction here, and I understand this is largely SP500). 4. 5% Vangua...

angelescrest

Given that the OP has his money in a taxable account, does it make any sense to use two or three funds, with the bond portion in something like municipal bonds?

angelescrest

I would much rather have all three kids in one row, than split in a minivan across two rows. The Diono is a great car seat, but you don’t need three of them, just two, the third can be a reasonable sized rear facing one which shouldn’t get in the way of the other two (until you try to turn it forwar...

angelescrest

The iPad is a wonderful device, but it works best when you pair it with a Mac and an iPhone and use Apple's own e-mail, calendar, contacts, notes, etc rather than trying to use Microsoft products. I’ve had no issues using it with Microsoft and Google’s productivity suites. I once had to get my IT s...

angelescrest

Are you into cycling? Chicago is very bike friendly, in my opinion, and increasingly so. It’s so flat, that it is very ideal. I remember not too long ago being stuck in traffic just north of downtown, and cyclists were all making much better time than me. There are a lot of friendly bike shops arou...

angelescrest

Are you into cycling? Chicago is very bike friendly, in my opinion, and increasingly so. It’s so flat, that it is very ideal. I remember not too long ago being stuck in traffic just north of downtown, and cyclists were all making much better time than me. There are a lot of friendly bike shops around.

angelescrest

Thanks, it's looking pretty good. I am enrolling now, and I think I'll go this route in making payments unless there is some good reason not to. I wish this could be tied in with my state tax payments.

angelescrest

Yeah I’m so :annoyed about this. So much for my Starwood card that I’ve had for ages. What other cc are you looking at? I want a cc that gives luxury hotel rewards. For me my focus is going to be on Amex MR and Chase UR. I like Citi TYP but they don't really have a good option for unbonused spend s...

angelescrest

I receive varying amounts of freelance income on top of my full time job. It wasn't much a few years ago so I usually just owed the government, but it has gone up in the past two years and I want to avoid any penalties. How do you all make freelance tax payments? I just discovered the EFTPS.gov webs...

angelescrest

I focus on flexible programs - Starwood, Chase ultimate rewards and Amex membership rewards. Just to point out the possibly obvious Starwood is going to take a 33% hit on the earn side for unbonused credit card spend come 8/1. Put another way it will take 50% more spend to earn the same as you do t...

angelescrest

My son is 4 years old and I would love to teach him good financial habits that my parents didn’t teach me. I was hoping to get the collective wisdom on: 1- when did you start with your children? What’s a good age to start? 2- how did you start? What we’re some things you did that we’re effective, f...

angelescrest

I apologize if this is common knowledge here, but I just found out a few months ago that the Washington Post gives free access for anyone who verifies with .gov, .mil, or .edu email addresses. Hope that helps someone else. How’s that? I haven’t seen this, and have only seen links or email about the...

angelescrest

I apologize if this is common knowledge here, but I just found out a few months ago that the Washington Post gives free access for anyone who verifies with .gov, .mil, or .edu email addresses. Hope that helps someone else. How’s that? I haven’t seen this, and have only seen links or email about the...

angelescrest

I own an Electra Townie 8i with Balloon tires and enjoy the upright ride on flat ground or moderate hills. Up and down steep hills, the weight of the bike and upright position remove some of the joy. I purchased the bike to relieve wrist and lower back pain accumulated from riding a mountain bike f...

angelescrest

jumppilot wrote: ↑
Tue Mar 13, 2018 7:17 pm
I started funding a 529 when I started dating my now-wife.

angelescrest

Any upright bike will put most of the weight on your butt, so keep that in mind. That will greatly diminish the distance you can ride without numb butt. Wider saddles actually make the problem worse because you have more contact area. Have you looked at gravel bikes or cross bikes? They will give y...

angelescrest

I’m looking quite seriously at buying a sixthreezero beach cruiser bike, for simple casual riding in my neighborhood with the little kids who are just starting out. Maybe the occasional 10-20 mile ride on the roads or dirt paths. I have a nice road bike, but in my area the roads are awful, with tons...

angelescrest

What is your bet for the next 20 years? Apple has the cell phone/tablet industry on lock. Amazon has online shopping on lock. Google has the interwebs/data on lock. They all have inter lapping markets (online video, home automation, software) but are also unique. Sorry, but the real bet on these bi...

angelescrest

The more I think about this, it seems to me that "house-poor" is a state of mind. And one way to avoid this state of mind is to keep a healthy cash balance available. I don’t know, I think most people who were house poor at the tail end of the housing boom didn’t have your concerns. They thought th...

angelescrest

I've seen this come up several times recently on the boards and it has me scratching my head. What do you think is the BH definition of house poor? How about your own definition? At a glance, I think this term when used by Bogleheads might be a world away from any common definition. (Like many, I s...

angelescrest

As an aside, I would never call a number on an unsolicited piece of mail or email. Hopefully you didn’t give the people on that number any of your personal info. Could be similar to a phishing attack. I always look up the number on the internet on the company’s website to call. This was the first t...

angelescrest

Yeah, from my consultations I haven't had clarity on this unfortunately. I used the loss when filing back in early spring 2015, through form 4797, and have been directed inconsistently on whether or not I can carry the remaining difference of the (unused/unclaimed?) loss beyond the 2014 tax year. So...

angelescrest

Metal utensils are fine. I wouldn't use a knife in a pan as it would probably scratch the pan and ruin the knife. I have an assortment of silicon, wood and metal spatulas, spoons, tongs, etc. I tend to use the wooden and silicon more than the metal. I'm not sure why, but maybe because that metal on...

angelescrest

Interesting, I had always assumed, due to the MSRP, that the prime was considerably more expensive than the other models. This makes me consider buying a new car while I can get the tax credit.

angelescrest

I've paid for a couple consultations over the past two years, and also recently met with a CPA. It's hard to find consistent accounting help in my area, and each consultation gave me different answers. So I'm still confused about this matter. In 2014, I had a significant loss from the sale of rental...

angelescrest

For stainless cookware, look for Cuisinart Multi-clad. It is very similar to All Clad but it is a little lighter, the lip is rolled so you can pour out the side a little cleaner, the handles are more comfortable to hold, and it is not quite so expensive. I have pieces of both and prefer the Cuisina...

angelescrest

Second the Prius Prime suggestion. It has a Li-ion battery (current tech) rather than the NiMH battery (obsolete tech) that Toyota developed 20 years ago. The ability to run shorter errands off grid power makes it MUCH 'greener' than the Prius, and it has better gas economy (on long trips) than the...

angelescrest

I have a year plus of living expenses in after tax investments You don't need an emergency fund if you'd feel okay withdrawing money in a downturn. I think this is the key, assuming you have money to withdraw—which you do. The market drops 50%, and you also lose your job. Time to withdraw that money!

angelescrest

folkher0 wrote: ↑
Sat Feb 10, 2018 10:40 pm

angelescrest wrote: ↑
Sat Feb 10, 2018 6:48 am
Yup, I just use the handy invert colors option in iOS. Read BG at night all the time. Quick triple tap of the home button on my iPad and we are set.
OMG you just changed my life.

I do what I can.

angelescrest

foamypirate wrote: ↑
Wed Feb 14, 2018 5:08 pm
Are you my twin? I'm 28, and my numbers are, literally, almost identical (within ~1-2k in either direction).

No, that would be your doppelgänger.

angelescrest

Thanks for showing us your amazing new car, now I want to go live beyond my means!

angelescrest

navyitaly wrote: ↑
Mon Feb 12, 2018 1:29 pm
So cancel your Costco membership then...what’s the point of posting a post about it? I’m lost....

I’m with you.

angelescrest

Compound wrote: ↑
Sat Feb 10, 2018 8:50 am
I’m sure for every day trader who is winning, there is a corresponding loser.

Yup, for every buyer there is a seller.

angelescrest

I don't mean to be rude OP....however, I pay more than $2,000 for mortgage, heat, bills etc. and make way less than you in salary. I would jump on something with that money that is only 2K a month, especially with where it is, and you make money by owning not just giving it away to rent. Always, re...

angelescrest

Yup, I just use the handy invert colors option in iOS. Read BG at night all the time. Quick triple tap of the home button on my iPad and we are set.

angelescrest

I would definitely do #1. Least recommend #4. I think one should almost never buy a one bedroom condo unless they live in the downtown of a major metro area, but even then don’t recommend it.

angelescrest

Taking family trip for four, using United miles and good chunk of hotel points for part of the lodging, but not all. The trip will still cost us a good chunk, and mileage cancellations cost a significant sum, whereas hotel cancellations don’t as much. Will have to buy two in country tickets amountin...

angelescrest

Buy Dominos Pizza stock and hold on tight until 2017.

angelescrest

You are regretting a bit because you’re mainly looking at numbers, don’t know all your options, and most importantly you haven’t experienced the potential quality of life changes. There’s no reason why your family can’t make the most of it and enjoy a wonderful life barring health issues. CO is a wo...

angelescrest

This is as accurate as I can make out from my records:
1979 - $0
1980 - $0
1981 - $0
1982 - $0
1983 - $2
1984 - $3
1985 - $0
1986 - $15
1987 - $25
1988 - $8
1989 - $32
1990 - $84.50
1991 - $105.32
1992 - $0
1993 - $43.31
1994 - $136.98
1995 - $1025.00
1996 - $165.27

angelescrest

So I got Sorry for my kid at about the same age, and it was and is still beloved. Wanted to play all the time. Simplified the rules and all, to make it easier to play (easy anyhow), and to make it less sad and vengeful when you knock another one out. We basically ignore the Sorry card, and draw anot...

angelescrest

I feel ya. I had a DC area property but bought it in a much worse year. What neighborhood are you in? I really do have a hard time imagining you’d have a loss. My situation was quite dire and I had to make a tough choice to let it go. It stung a bit, but what a relief to move forward and build from ...

angelescrest

Tickets are booked. Had a bit of a scare as the dates we were planning on changed overnight from United's website, but I was still able to get a saver award by switching the dates by a day. Saver awards are tricky. It required having to take off another couple days from work, but thankfully the boss...

angelescrest

My thoughts - 1) You are trying to pack in too much, especially with kids. You will be on the run the whole time. I suggest trimming some major parts of the itinerary. 2) I would acclimate to the time zone on arrival by staying 2 days in Lima. There is not a lot to see but the food is simply astoun...

angelescrest

What should I be budgeting for food every day? I have no sense for what meals cost, both in hotels and out.

Any financial surprises?

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