Search found 850 matches

by retire2022
Sun Aug 18, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Woodstock
Replies: 90
Views: 8366

Re: Woodstock

Highlights from the events two hour from prx

https://beta.prx.org/stories/36935

Also

Kurt Anderson Studio 360

https://www.pri.org/programs/studio-360 ... -woodstock
by retire2022
Sun Aug 18, 2019 11:46 am
Forum: Personal Investments
Topic: Investing for minors
Replies: 9
Views: 717

Re: Investing for minors

Op It would be a good idea to consider filing a 1040 for your child so that the earned income is never challenged wiki https://www.bogleheads.org/wiki/Accounts_for_children compound interest calculator http://www.moneychimp.com/calculator/compound_interest_calculator.htm fidelity for kids https://ww...
by retire2022
Sat Aug 17, 2019 8:39 pm
Forum: Investing - Theory, News & General
Topic: Why not invest in sector ETFs?
Replies: 31
Views: 1976

Re: Why not invest in sector ETFs?

I'm 25. I don't understand what you mean by that. 25(present age)-67=42 years of investing multiply by 19K (401, 403, 457 contributions) $19,000x 42years= $800,500.00 contributions http://www.moneychimp.com/calculator/compound_interest_calculator.htm with Vanguard Total Stock Market Index (VSTAX) y...
by retire2022
Sat Aug 17, 2019 8:22 pm
Forum: Investing - Theory, News & General
Topic: Why not invest in sector ETFs?
Replies: 31
Views: 1976

Re: Why not invest in sector ETFs?

I just started. I put $2500 into VTI just last week, and I'm figuring out what to do with the $1K left in my account. I didn't mention it in my OP, but I've been thinking about just putting the rest into a defense fund or just a single stock such as Lockheed Martin or Raytheon. I just can't imagine...
by retire2022
Sat Aug 17, 2019 3:22 pm
Forum: Investing - Theory, News & General
Topic: Why not invest in sector ETFs?
Replies: 31
Views: 1976

Re: Why not invest in sector ETFs?

Op it depends on your existing asset allocation and present portfolio

It would be helpful to break out your existing funds
by retire2022
Fri Aug 16, 2019 5:26 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 350
Views: 44666

Re: Roll Call for the Retirement Class of 2019!

latest article why Americans are leaving workforce

https://www.vox.com/2019/8/12/20801941/ ... rkers-quit
by retire2022
Fri Aug 16, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: Woodstock
Replies: 90
Views: 8366

Re: Woodstock

JoeRetire wrote:
Fri Aug 16, 2019 1:15 pm

But "I was at Yasger's" doesn't sound as cool.
The organizers got kicked out of the original location and it was relocated to Yasgur Farm see one hour and 39 minute documentary shown on PBS

https://www.thirteen.org/programs/ameri ... ck-kshqlw/
by retire2022
Wed Aug 14, 2019 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: When family members fight over the check when out to eat
Replies: 103
Views: 8169

Re: When family members fight over the check when out to eat

ok op deleted original post, not sure why, but found this interesting Venmo app a way to split cost and frugality

https://www.vox.com/the-goods/2018/10/1 ... -etiquette
by retire2022
Wed Aug 14, 2019 6:20 pm
Forum: Personal Investments
Topic: How can I accomplish "Locking in Gains"
Replies: 53
Views: 3344

Re: How can I accomplish "Locking in Gains"

retire2022, I'm hoping to be financially independent at 45. My job is unstable due to agesim and several other factors, so I'm trying to stash away as much as possible while I still can. Contributions: 401k: 19k 401k match: 7k Backdoor Roth: 6k Mega backdoor Roth: 13k Taxable account: 98k Total: 14...
by retire2022
Wed Aug 14, 2019 5:47 pm
Forum: Personal Investments
Topic: How can I accomplish "Locking in Gains"
Replies: 53
Views: 3344

Re: How can I accomplish "Locking in Gains"

OP- you're killing it, man. $143k p/year. I'm impressed. I agree with DanMahowny checkout my projections until you turn 67 or 31-67=36 years of projected investing http://www.moneychimp.com/calculator/compound_interest_calculator.htm if your annual contributions are 143K each year for the next 36 y...
by retire2022
Tue Aug 13, 2019 8:29 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 14138

Re: [Vanguard price glitches, incorrect market info for August 12, 2019]

3-20Characters wrote:
Tue Aug 13, 2019 2:56 am
I will no longer trust bogleheads’ advice. They tell me to not look at my accounts too often. They tell me not to time the market. Had I looked at my accounts yesterday :shock: I would have had the market timing opportunity of a lifetime! :idea: :oops:

:D
+1 Sheep, bahh, bahh :D
by retire2022
Sun Aug 11, 2019 1:42 pm
Forum: Investing - Theory, News & General
Topic: The fallacy of Dollar Cost Averaging
Replies: 101
Views: 8388

Re: The fallacy of Dollar Cost Averaging

all has anyone able to have a spreadsheet to factor in inflation and compound interest in lazy portfolio for DCA versus lump sum, in initial investment years three decades earlier makes this question more rocket science?
by retire2022
Tue Aug 06, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: Up State New York speeding ticket for a non-New York resident.
Replies: 21
Views: 2257

Re: Up State New York speeding ticket for a non-New York resident.

dm200 wrote:
Tue Aug 06, 2019 3:14 pm

OK - I had been a zero time speeder. So, going from zero to one (in a distant state) was no big deal for me.
dm200, I'm offering the OP another option, just because you have a clean record, does not give an actionable suggestion to OP.
by retire2022
Tue Aug 06, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Up State New York speeding ticket for a non-New York resident.
Replies: 21
Views: 2257

Re: Up State New York speeding ticket for a non-New York resident.

From my wife's local experience in contesting a speeding ticket - and going to Court to contest it - the probability of being successful was dependent on whether the ticket happened to be just something the officer saw or detected (those all thrown out by the judge, including my wife's) OR somethin...
by retire2022
Tue Aug 06, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: Up State New York speeding ticket for a non-New York resident.
Replies: 21
Views: 2257

Re: Up State New York speeding ticket for a non-New York resident.

Reduced to a misdemeanor??? So you were issued a felony ticket??? I didn’t get my license suspended and lots of people have moving violations, the issue at hand is the OP wants to declare guilty at the higher speed, i did essentially but as a misdemeanor which would you have as the better of two ev...
by retire2022
Tue Aug 06, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Up State New York speeding ticket for a non-New York resident.
Replies: 21
Views: 2257

Re: Up State New York speeding ticket for a non-New York resident.

Op If you decide to show up for court date like others noted you could get it reduced to misdemeanor, I recommend this. I received three speeding tickets, off of 87 north both times once hiring a lawyer, second time reduced to misdemeanor. The third time the officer did not show up and judge dismiss...
by retire2022
Tue Aug 06, 2019 1:39 pm
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 95
Views: 8108

Re: Customer Service Changes

Op 0.30% for PAS which is essentially a lazy portfolio and bhers tend to go with that why would you need a customer rep?

Bottom of the line they have to save $$$$$
by retire2022
Tue Aug 06, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Shed foundation
Replies: 33
Views: 1951

Re: Shed foundation

Op

Check out this you tube video on concrete slab, see what is involved and you determine if this is something you can handle.

https://youtu.be/vycnTjq5xew
by retire2022
Mon Aug 05, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: Long Island NY housing
Replies: 41
Views: 2890

Re: Long Island NY housing

I posted the school profile for each of the three towns being considered. The profiles list all of the data you outlined above, other than drug issues. For anyone trying to evaluate a school system, the HS profile is the best place to start. It is an imperfect tool, and not always readily available...
by retire2022
Sat Aug 03, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Long Island NY housing
Replies: 41
Views: 2890

Re: Long Island NY housing

Thanks for all your replies. I am an MD and work in Brooklyn Queens area. These three towns have the best school district in westernmost LI. LIRR from great neck does not go to the place where I work. Garden City LIRR is very close to my work place in Brooklyn. NYC income tax is a big reason to avo...
by retire2022
Wed Jul 31, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 6447

Re: Whole-house generators - Generac, Kohler, or Briggs?

Op Natural gas or propane is the preferred fuel source for emergency generators post sandy new construction installation, esp if building is located in a flood zone and generators must be elevated. Diesel generators are better for long term use over gasoline generators but have high particulate leve...
by retire2022
Tue Jul 30, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: Tree Removal Crane vs Boom
Replies: 24
Views: 1457

Re: Tree Removal Crane vs Boom

I never considered that. It will be interesting when I next ask for a copy and my endorsement. Have you done the way you said? with your name on it? Yes I've done it for my job as additionally insured, and for my personal property whenever I hired contractors. here is an example of what I am discus...
by retire2022
Tue Jul 30, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: Tree Removal Crane vs Boom
Replies: 24
Views: 1457

Re: Tree Removal Crane vs Boom

I can't give you an answer to your specific question. However, in regards to they being "bonded and insured", don't take their word for that. Ask to supply you with a copy of their insurance. Insurance is very important especially for what they are doing. They may not be telling the truth. When I h...
by retire2022
Mon Jul 29, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Tree Removal Crane vs Boom
Replies: 24
Views: 1457

Re: Tree Removal Crane vs Boom

Op While I do not consider myself an expert, a simple search is this: https://www.certifymeonline.net/blog/boom-lift-vs-crane/ Boom Lift Vs Boom Crane: What Are the Differences? The main difference between a boom lift vs crane is that boom lifts are used for lifting workers and their equipment to wo...
by retire2022
Sun Jul 28, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: Cape Cod in September - Recommendations Please!
Replies: 6
Views: 898

Re: Cape Cod in September - Recommendations Please!

op years ago I rode my Bianchi road bicycle from Provincetown to Orleans, there are bicycle trails in the cape, easy riding 50 miles round trip, which was mostly flat.
by retire2022
Sun Jul 28, 2019 7:44 pm
Forum: Personal Consumer Issues
Topic: VOIP - what do you use?
Replies: 55
Views: 3666

Re: VOIP - what do you use?

CUlater

Is this the Obi you are using? https://www.amazon.com/OBi202-2-Port-Ad ... 44-6108719

Is there an subscription fee? and what is it currently?
by retire2022
Sun Jul 28, 2019 7:13 pm
Forum: Investing - Theory, News & General
Topic: Changes to Morningstar Website?
Replies: 141
Views: 8703

Re: Changes to Morningstar Website?

She/they are shills for the industry. That’s fine; everyone had to make a buck. But it’s ok to be honest and admit that it largely involves promoting active funds. Ms Benz is pretty balanced in her approach and was interviewed by Rick Ferri, others here are also proponents of the industry directly ...
by retire2022
Sun Jul 28, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Virgin Mobile has become a joke for NYC service
Replies: 17
Views: 1372

Re: Virgin Mobile has become a joke for NYC service

op check out the latest article by cnet on tmobile sprint merger

https://www.cnet.com/how-to/should-you- ... obile-now/
by retire2022
Sun Jul 28, 2019 2:02 pm
Forum: Investing - Theory, News & General
Topic: Changes to Morningstar Website?
Replies: 141
Views: 8703

Re: Changes to Morningstar Website?

Morningstar question: Do the public faces (ie Christine Benz) drink the kool aid for the active management funds, which they clearly have no problem giving attention? If not, all of those interviews are just playing the game to be a part of the WS machine? Christine Benz is a proponent of indexing ...
by retire2022
Sun Jul 28, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Best place to buy Pistachio and Salmon?
Replies: 30
Views: 3014

Re: Best place to buy Pistachio and Salmon?

op here is a Aldi price link depending on your zip

https://www.instacart.com/aldi/products ... hios-16-oz
by retire2022
Sun Jul 28, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: Inexpensive source--online or via Warehouse Clubs--for small batch business cards
Replies: 18
Views: 740

Re: Inexpensive source--online or via Warehouse Clubs--for small batch business cards

Op As a person who meets a lot of people, I find business cards anachronistic that is without a context of the meeting or event, the recall will be harder, without a picture of person, otherwise one will push up the "Dunbar number". Dunbar's number is a suggested cognitive limit to the number of peo...
by retire2022
Sun Jul 21, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: When family members fight over the check when out to eat
Replies: 103
Views: 8169

Re: When family members fight over the check when out to eat

This is typical in my culture and family usually it is oldest or biggest breadwinner or both who ends up paying bill with a little dance and ballet act, sometime my cousins wins the game and ends up paying, sometime I end up paying, in any case it is expected the kids will do this when we are old. W...
by retire2022
Sun Jul 21, 2019 8:14 pm
Forum: Personal Investments
Topic: VGT vs QQQ
Replies: 12
Views: 3196

Re: VGT vs QQQ

I owned for a long time VGT as a technology fund almost since its start. A sector bet on technology. With the recent changes in the target index excluding FB, GOOG, for example, I am thinking a better choice could be QQQ as it a bit more diversified. It still includes FB, GOOG, and others. Apprecia...
by retire2022
Sun Jul 21, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Tree guy is no-show; payment was "deposit"
Replies: 47
Views: 5749

Re: Tree guy is no-show; payment was "deposit"

Op have you contacted local commerce or Better Business Bureau for advice, is there a written contract?

check out this last thread on tree cutting services: viewtopic.php?f=11&t=280116&hilit=tree
by retire2022
Sun Jul 21, 2019 7:48 pm
Forum: Personal Investments
Topic: specific investments when market crashes
Replies: 38
Views: 3710

Re: specific investments when market crashes

Op when market crashes it is already too late, I would never use the Dow, which consists of 30 stocks as a measure of impending crash rather a 20 day moving average between the SP500 and the Nasdaq, the later consists of 3000 stocks and more an accurate barometer. I would use the techniques describe...
by retire2022
Sun Jul 21, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 222
Views: 14712

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

Nobody has thought about HCOL possibly being a bubble? e.g. once you arbitrage away (at least some) of the salaries with better technologies, why would the same job be paid differently in different parts of the country (or even the world)? Or, you could think that the share of population for which ...
by retire2022
Sun Jul 21, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Proof of limited partner ownership
Replies: 3
Views: 333

Re: Proof of limited partner ownership

I participate as a 10% limited partner of a commercial property. What is a proper proof of my ownership? How do I include it as part of my estate? Do you have copy of amended restated limited partnership agreement, certificate of good standing, EIN number from IRS, resolution of authorized signator...
by retire2022
Sun Jul 21, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deduction of historic photographs:
Replies: 15
Views: 931

Re: Tax deduction of historic photographs:

Op check with Smithsonian museum, like others said I am sure they could assist
in the donation process.
by retire2022
Sun Jul 21, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Photography business early stage, tax and other
Replies: 33
Views: 2816

Re: Photography business early stage, tax and other

Example: Real life experience: Commercial shoot awhile back. Hawaii. Clients have my iPad in front of them which my camera live feeds seconds after every "click", raw images. 3 hour shoot. 100% "on". Exhausting. Client has no clue what a "great shot" is. They want a "snapshot" but agree to also let...
by retire2022
Sun Jul 21, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 222
Views: 14712

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

If your income is higher throughout your career, your SS benefit may be also higher depending on income levels along with higher pension if offered. Social Security IRRMA rules will kick in, benefits will be reduced as well as Medicare if one is high income, Pension and Traditional retirement savin...
by retire2022
Sun Jul 21, 2019 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 222
Views: 14712

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

Here's the data for income percentile by city. Play around with it and see what you find out. https://dqydj.com/income-percentile-by-city-calculator/ And here's net worth by state. https://www.census.gov/content/dam/Census/newsroom/press-kits/2017/assa_geographic_distr_wealth.pdf apologies if someo...
by retire2022
Thu Jul 18, 2019 9:03 pm
Forum: Investing - Theory, News & General
Topic: Changes to Morningstar Website?
Replies: 141
Views: 8703

Re: Changes to Morningstar Website?

all I suggest everyone itemize your inquiries to M* using this link below:

https://socialize.morningstar.com/feedb ... ckform.asp

I just sent in for why instant x-ray tool is no longer available, and received an robo acknowledgment, will circle back in a few days if I hear anything.
by retire2022
Thu Jul 18, 2019 9:00 pm
Forum: Investing - Theory, News & General
Topic: How to use Vanguard Portfolio Watch for rebalancing
Replies: 109
Views: 70138

Re: How to use Vanguard Portfolio Watch for rebalancing

Yes. I noticed a message at the very top of that page: "We're making a few site updates" ... I assume they're working through some issues with the changes. I sent in an inquiry will see where this will lead, received an robo acknowledgement https://socialize.morningstar.com/feedback/feedbackform.asp
by retire2022
Thu Jul 18, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Friend's car caught in flood ?
Replies: 68
Views: 4478

Re: Friend's car caught in flood ?

This is a $1,500 situation, correct ? Could it be scrapped for $500 making it even less? $1500 death trap, my 1998 Dodge Caravan which I could not get any Dodge dealer service department to replace defective airbag was worth $400, sold it to my mechanic's son, of course there was indemnity not resp...
by retire2022
Thu Jul 18, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki - How to campaign for a better 403(b) plan
Replies: 14
Views: 846

Re: Wiki - How to campaign for a better 403(b) plan

LadyGeek Prune gave a good explanation why employer allows for both 403b & 457b, not sure if this is relevant but I suggest it should be considered for the wiki. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=283891&hilit=403+%26+457#p4607137 Internal Revenue Code Section 402(g)(3) states that...
by retire2022
Wed Jul 17, 2019 10:12 pm
Forum: Personal Investments
Topic: 2.5 million to invest for myself[35] and father[70]
Replies: 43
Views: 4026

Re: 2.5 million to invest for myself[35] and father[70]

No offense, but this is bizarre. I think Dad should invest his money that's appropriate for him, you should keep doing whatever it is you do for $200k/yr. Is there something missing here? Rasscott you are assuming OP is American, I don’t think so, some cultures parent money and childs money are the...