Mainly VFFVX, which is up 4.46% over a 3 year period, but I have about 20% in various other funds.

I’m in a Vanguard target fund and I’m up 7.8% over the same period. There was a lot of red until December 2023, when it broke even. All gains are pretty much from this year looking at my returns chart.

I understand. Maybe see if your insurance can help connect you to resources that can help you navigate this situation. You can’t be the only person who’s landlord said no.

Look at question 4 though.

If it’s a service animal OP is getting, then the landlord cannot legally exclude it. However, therapy animals are specifically not service animals and are not covered by the ADA

Q3. Are emotional support, therapy, comfort, or companion animals considered service animals under the ADA?

A. No.  These terms are used to describe animals that provide comfort just by being with a person.  Because they have not been trained to perform a specific job or task, they do not qualify as service animals under the ADA.  However, some State or local governments have laws that allow people to take emotional support animals into public places.  You may check with your State and local government agencies to find out about these laws.

SOUNDS LIKE YOU NEED TO START DOWNLOADIN PICTURES OF MOTORCYCLES AND BAMS!

I THINK THIS HAS TO DO WITH APP PERMISSIONS. IF YOUR APP NEEDS A PLACE TO READ/WRITE FILES, IT MAKES SENSE TO KEEP IT OUT OF YOUR DOWNLOADS FOLDER THAT COULD CONTAIN SENSITIVE INFORMATION LIKE BANK STATEMENTS OR OTHER THINGS. YOU DON’T WANT SOME RANDOM APP LOOKING AT EVERYTHING THAT ENDS UP IN YOUR DOWNLOADS FOLDER!!!

GET RILED ABOUT GIVING THESE GREEDY DATA SNOOPING APPS THE LEAST PERMISSION POSSIBLE!!

SANTA I’VE BEEN A GOOD MEMBER OF THE PACK! LETS CRANK OUR HOGS TOGETHER WHEN YOU STOP BY! IF IT’S OKAY WITH YOU CAN YOU JOIN ME IN THE DRIVEWAY FOR BURNOUTS?!? BRENDA DOESN’T LET ME CRANK MY HOG ON THE ROOF AFTER WHAT HAPPENED LAST TIME!!! AROOOOOOO!

I don’t really know what you did, but this site has 9 reasons why cookies can go flat.

Link

PILLS AND SHEER M’FING WILL! AROOOOOOO!

BARB COME BACK MY HOG STILL CRANKS IT JUST TAKES A LITTLE MORE TO GET IT GOING NOW AROOOOOOOOOOOOOOOO!

I think you nailed it. I’m not trying to rain on your parade. I made the comment because I’ve just started getting into photography with a film camera myself. Really, I was looking to nerd out with someone lol

I’m trying out Fujifilm 400 and Kodak Ultramax 400 as I get started. What film are you starting off with?

The grain in the sky is too much. If you zoom in, you can see yellow grain like flicks of glitter. Real film doesn’t do that unless there’s something atypical. Here’s a close crop of sky from one of my shots with Fujifilm 400.

You can see the grain but it’s much softer and not as contrasty. I’m using super technical terms because I only just started shooting film.

I got excited about it being a film photo but it’s just a filter. Nice composition though!

The cold cast iron has a lot more thermal mass than cold air in the oven. If you think about it, heating up the inside of the oven is all about getting the inside surfaces and racks sufficiently hot to offset hot air venting. The oven will have to transfer heat into the cast iron to effectively turn it from a cold thermal battery into a warm thermal battery. That will likely add time to the preheat, because it is more material to heat up than just the surfaces and racks.

https://en.m.wikipedia.org/wiki/Thermal_mass