Search found 2160 matches

by EnjoyIt
Sat Apr 20, 2019 12:54 pm
Forum: Personal Investments
Topic: Is it better to borrow from 401(k) or withdraw from ROTH for a downpayment?
Replies: 15
Views: 660

Re: Is it better to borrow from 401(k) or withdraw from ROTH for a downpayment?

Thanks everyone- I do already have an E fund of $15K in ally cash so I feel pretty good in that regard. Probably could reduce the E-Fund honestly, but I like having that reserve since I live on $2K per month. And I am getting married next year, but my fiancee and myself we would just split the down...
by EnjoyIt
Sat Apr 20, 2019 12:38 pm
Forum: Personal Investments
Topic: When to dump FIENX for FZILX
Replies: 11
Views: 890

Re: When to dump FIENX for FLZIX

Hi! I seek wisdom on when to dump FIENX in favor of FZILX. Here are my current asset ratios: FXAIX / 86.1% FIENX / 2.7% FSCSX / 5.9% BRKB / 0.01% DIA / 0.02% ONEQ / 2.5% Ever since I bought it in early 2018, FIENX (exp. ratio 0.59%) has been lousy. It's only ticked up a bit in recent weeks. Do I cu...
by EnjoyIt
Sat Apr 20, 2019 12:32 pm
Forum: Personal Investments
Topic: Is it better to borrow from 401(k) or withdraw from ROTH for a downpayment?
Replies: 15
Views: 660

Re: Is it better to borrow from 401(k) or withdraw from ROTH for a downpayment?

Stop saving in a Roth and save in a taxable account for your house. Buy when you have 20% plus $10k for incidentals. I know this is a question not asked, but unless you are married and having kids I would not buy a house at that age. Owning a house kills your flexibility and adds unwanted headaches ...
by EnjoyIt
Sat Apr 20, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

Here is a real-life cautionary tale about FIRE. A friend FIREd in her mid 40's (shortly before the dot-com bust), took her pension as a lump sum, and set up an SEPP from her roll-over IRA. I'm not privy to her multiple of expenses at the start of her retirement, but I know the mandatory RMDs did a ...
by EnjoyIt
Sat Apr 20, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

You don't have to work during the great depression, you can do something lucrative and decrease your SWR ahead of it. Huh? Do something "lucrative"? In the middle of the biggest economic meltdown in the history of the US? I think you would benefit from reading some history of this period. And you w...
by EnjoyIt
Sat Apr 20, 2019 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

There is a reasonable difference between 3% and low 3.x percent as x can equal anything between 0 and 5. The only reasonable study I saw that discusses this is Early Retirement Now that recommends 3.5%. And that 3.5% is without any flexibility making it very conservative and 3.0% overly conservativ...
by EnjoyIt
Sat Apr 20, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

You don't have to work during the great depression, you can do something lucrative and decrease your SWR ahead of it. Huh? Do something "lucrative"? In the middle of the biggest economic meltdown in the history of the US? I think you would benefit from reading some history of this period. Just to p...
by EnjoyIt
Fri Apr 19, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

My job is like many others: 8h spent at work (1h lunch with friends, maybe a visit to the gym is included), 1.5-2h commute. I see my kid an hour in the morning and 1h in the evening. We do some homework, put him to sleep. So I am "free" at 9pm, but in my suburb is not much to do at that time. I use...
by EnjoyIt
Fri Apr 19, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

I decided to delete all tabs in my personal/family finance spreadsheet that related to retirement projections and I'm not messing with retirement calculators anymore. Why have I wasted so much time on this? I enjoy working and earning money--I don't enjoy sitting around twiddling my thumbs, and I e...
by EnjoyIt
Fri Apr 19, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

There is a reasonable difference between 3% and low 3.x percent as x can equal anything between 0 and 5. The only reasonable study I saw that discusses this is Early Retirement Now that recommends 3.5%. And that 3.5% is without any flexibility making it very conservative and 3.0% overly conservativ...
by EnjoyIt
Fri Apr 19, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

But if one can reasonably get from 40 times expenses to 50 times expenses in 3 or 4 years, and as a result have a better chance of surviving all but the most catastrophic of situations, isn't that trade off worth it? Maybe not for someone who is 60 years old, but someone who is 50 it might be. And ...
by EnjoyIt
Fri Apr 19, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

I decided to delete all tabs in my personal/family finance spreadsheet that related to retirement projections and I'm not messing with retirement calculators anymore. Why have I wasted so much time on this? I enjoy working and earning money--I don't enjoy sitting around twiddling my thumbs, and I e...
by EnjoyIt
Fri Apr 19, 2019 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

But if one can reasonably get from 40 times expenses to 50 times expenses in 3 or 4 years, and as a result have a better chance of surviving all but the most catastrophic of situations, isn't that trade off worth it? Maybe not for someone who is 60 years old, but someone who is 50 it might be. And ...
by EnjoyIt
Fri Apr 19, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

So, what would you suggest to prepare for such dire circumstances. Your previous thought of working just a few more years seems woefully inadequate for this type of apocalyptic thinking. Maybe one would better off investing in farm land, guns, and ammunition? Perhaps multiple citizenships, farmland...
by EnjoyIt
Fri Apr 19, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

First of all, congrats to all of you. Some of the first posts stated this thread would soon turn contentious and be locked and it never was. Hats off for being respectful when disagreeing on the internet. I read this whole thread and it took me a few days. As I was reading, an idea popped in my hea...
by EnjoyIt
Thu Apr 18, 2019 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

You should definitely work until you die. Otherwise, if you put no bounds on what could happen other than what is "possible", which is everything, than the day after you retire the entire stock, bond, and all other markets could go to 0. Your approach of working a just a few more years to get to 40...
by EnjoyIt
Thu Apr 18, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

If you earn $100k gross, then a 50% savings rate means that you're saving $50k. Understood, but in the context of your discussion, you were talking about going from 25x to 40x. That's gross income? I've always seen retirement savings as a multiple of expenses, not income. Then a "modest savings rat...
by EnjoyIt
Thu Apr 18, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: When did you start spending more and saving less?
Replies: 77
Views: 5152

Re: When did you start spending more and saving less?

We started spending more once because of kids. But we also traveled less and it almost became a wash.

We also started spending a bit more on luxuries once we got close to 25x making x a little larger and bringing us to about 23x
by EnjoyIt
Thu Apr 18, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

I don't think that most folks would call a 50% savings rate "modest." But aside from that, I agree with you. When you guys talk about a 50% savings rate, you're talking, in this case, as 50% of expenses, correct? If you earn $100k gross, then a 50% savings rate means that you're saving $50k. Unders...
by EnjoyIt
Thu Apr 18, 2019 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

Aren't you always subject to the Sequence of Return Risk, though? As in, perhaps the first 5 years of retirement went fine, but that only means that, of your 30/40/50 year retirement, you still have 25/35/45/or even another 50 left to go. So don't you still need to care about the next 5 years? And ...
by EnjoyIt
Thu Apr 18, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

"At the same time, if you can pull off a 50% savings rate that is awesome" You can if you tax rate is not too high.... If you have enough tax-deferred space, it's a lot less painful. Of the $76k in tax-advantaged space we have this year, all but $12k of it is tax-deferred (i.e. 401a, 401k, 457, HSA...
by EnjoyIt
Thu Apr 18, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

Randomguy has done this in numerous threads, along with the 50% savings rate to demonstrate how quick and painless it is to get to 40X or whatever, when presumably the "bad times" commence immediately upon retirement. :mrgreen: Don't forget the word modest . That's my favorite part. :D At the same ...
by EnjoyIt
Thu Apr 18, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

Randomguy has done this in numerous threads, along with the 50% savings rate to demonstrate how quick and painless it is to get to 40X or whatever, when presumably the "bad times" commence immediately upon retirement. :mrgreen: Don't forget the word modest . That's my favorite part. :D At the same ...
by EnjoyIt
Thu Apr 18, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

It takes about 6 years in most case to go from 25x to 40x with normal returns(6%) and modest savings rate (.5x). If we get poor returns (2%) real then it takes longer. But if we get 2% real, that 4% is going to think about going back to work as they get poorer and poorer every year. And obviously y...
by EnjoyIt
Thu Apr 18, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

It takes about 6 years in most case to go from 25x to 40x with normal returns(6%) and modest savings rate (.5x). If we get poor returns (2%) real then it takes longer. But if we get 2% real, that 4% is going to think about going back to work as they get poorer and poorer every year. And obviously y...
by EnjoyIt
Wed Apr 17, 2019 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

X is spending and always has been. The great thing about using multiples and percentages is that it doesn't matter if you want to live a spartan lifestyle or a luxurious one. The numbers don't change. Just because some FIRE people want to live a spartan lifestyle I'm not sure why that matters. I pl...
by EnjoyIt
Wed Apr 17, 2019 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 12982

Re: Can I semi-retire now?

So I am curious why this is viewed as "scamming" the system. It's not illegal to work less, it's a lifestyle choice, similar to the OP's original question. If one want's to "semi-retire", wants to downgrade lifestyle a bit to do so, and this results in being able to qualify for ACA , lower net coll...
by EnjoyIt
Wed Apr 17, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 12982

Re: Can I semi-retire now?

So I am curious why this is viewed as "scamming" the system. It's not illegal to work less, it's a lifestyle choice, similar to the OP's original question. If one want's to "semi-retire", wants to downgrade lifestyle a bit to do so, and this results in being able to qualify for ACA , lower net coll...
by EnjoyIt
Wed Apr 17, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

. . . means my Y must be 35x the yearly average of all those things + all other expenses. Many of us calculate what our actual required expenses are and assume x% of fun money extra to enjoy each year and she a few years of fun money to buy the newest toy we want. This keeps us at a historically Ro...
by EnjoyIt
Wed Apr 17, 2019 3:49 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 790
Views: 80882

Re: That's enough for me in 2019

The average 30-something poster on here seems to have an income of ~$500k and the average 60-something poster here seems to have a net worth of over $5M That is a pretty accurate description. Most people here don't say what their salary or net worth is as far as I can tell. What's the basis for you...
by EnjoyIt
Wed Apr 17, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 12982

Re: Can I semi-retire now?

As a man, I can't fathom putting my family (young children) in a risky financial situation when I have the means to provide so well (as the OP) for them. Young families face innumerable challenges to launching productive, independent adults. What happens if the wife gets M.S. and can't work while n...
by EnjoyIt
Wed Apr 17, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

Also, in a great depression event I would rather be 25x with 40% bonds and unemployed vs 5x and 40% bonds with a job that just laid me off. 25x with 40% bonds has 10 years of living expenses built in. 5x is screwed. "25x" "5x" mean nothing. "x" of what ? Planning to live under a bridge, eating at t...
by EnjoyIt
Wed Apr 17, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

Also, in a great depression event I would rather be 25x with 40% bonds and unemployed vs 5x and 40% bonds with a job that just laid me off. 25x with 40% bonds has 10 years of living expenses built in. 5x is screwed. You can not deny that having financial independence earlier in life is better. Peri...
by EnjoyIt
Wed Apr 17, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

And employed people (with less savings) will be in better shape because of.... what? You don't have to work during the great depression, you can do something lucrative and decrease your SWR ahead of it. Why do we even discuss a century old event? Do something lucrative like keep working your job?:)...
by EnjoyIt
Wed Apr 17, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

I credit MMM for getting involved with Lending Club. I also credit MMM for warning that they had turned around, and I got out in short order. Why Pete simply stopped investing and didn't pull out, I gotta think they were a site sponsor. It was blatantly obvious that the time had come to get out and...
by EnjoyIt
Wed Apr 17, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

If one does not withdraw at all any portfolio is fine for any length of time. The point of (good) planning is to retire with enough assets to live the desired lifestyle under almost any circumstance. Planning for concrete chances to have to go back to work, or drastically reduce lifestyle is flawed...
by EnjoyIt
Wed Apr 17, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 12982

Re: Can I semi-retire now?

People openly discuss how they purposely lower their taxable income to get free healthcare. Good point about ACA. I've looked into whether I could qualify. No luck so far. But ACA is not a zero sum game. Parents who game the college financial aid process are in a very real sense shifting aid from d...
by EnjoyIt
Wed Apr 17, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 12982

Re: Can I semi-retire now?

Although there is a similarity in what you say for some reason I feel gaming college expenses as much more justifiable, maybe due to the unjustifiable ridiculous cost and the burden it can place on families. I hear what you're saying, but I would take it a step further. There seems to be an ethics-...
by EnjoyIt
Wed Apr 17, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

Just one more note to all the people who are placing too much weight on a great depression crash the year or 5 after you retire. You are arguing an unbalanced equation. That leads to some extremely irrational thought. I view dying before I retire as a failure. Certainly more of a failure than going...
by EnjoyIt
Wed Apr 17, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 12982

Re: Can I semi-retire now?

I know from a previous post that this way of thinking tends to bring out an ethical question for some. I would ask these same folks if they are ethically consistent in how they view paying income taxes? Interested in responses but don't wish to high jack this thread. Thanks. What do you think the r...
by EnjoyIt
Wed Apr 17, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

Just one more note to all the people who are placing too much weight on a great depression crash the year or 5 after you retire. You are arguing an unbalanced equation. That leads to some extremely irrational thought. I view dying before I retire as a failure. Certainly more of a failure than going...
by EnjoyIt
Wed Apr 17, 2019 6:44 am
Forum: Personal Finance (Not Investing)
Topic: How to take advantage of unexpected 0%/Negative Federal space in a strange year of large credits
Replies: 19
Views: 904

Re: How to take advantage of unexpected 0%/Negative Federal space in a strange year of large credits

1) Just out of curiosity, what exactly is your w2 income and what is your dividend income? 2) Health insurance premiums are not tax deductible on a 1040 but a corporation/company can pay health insurance premiums and deduct it from their business profits. Not sure how this works out for you. Do you ...
by EnjoyIt
Tue Apr 16, 2019 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

Just to play the devil's advocate, common sense dictates that you retired in 2000 or 1929 at 45 and watch your stocks lose 50% of their value immediately after you simply get a new job and continue like literally every other 45 year old out there. Retirement at 45 is the same as quitting a job, ove...
by EnjoyIt
Tue Apr 16, 2019 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

Correction for everyone: MMM advocates a 4% withdrawal rate not 5% because of the Trinity Study and that 4% has been almost bulletproof in the past. He uses 5% as a rate of growth of investments while employed so that one can figure out about how many years they may need to work prior to financial i...
by EnjoyIt
Tue Apr 16, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

"That's the draw of the MMM side of it. Optimize your life and live minimally so that if you do need to take a risk to improve your lot in life you can afford to do so." We were never drawn by doing anything 'minimally' and minimally never seemed to be optimizing anything. So I guess that is why we...
by EnjoyIt
Tue Apr 16, 2019 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

"That's the draw of the MMM side of it. Optimize your life and live minimally so that if you do need to take a risk to improve your lot in life you can afford to do so." We were never drawn by doing anything 'minimally' and minimally never seemed to be optimizing anything. So I guess that is why we...
by EnjoyIt
Tue Apr 16, 2019 9:23 am
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 790
Views: 80882

Re: That's enough for me in 2019

Stocks are not safe assets. They are risk assets. That risk does not decrease with time. It increases. Disagree. The chance that you end up with less than you put in decreases over long time scales, as long as you agree that an equity risk premium exists at all. Think about what you're saying. If t...
by EnjoyIt
Tue Apr 16, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 40691

Re: Mr. Money Mustache, SWR, and equity allocation

I was reading an article by Mr. Money Mustache, with whom I'm very familiar, and was curious what Bogleheads think of some of his assumptions and recommendations. The general gist is that one could stop working today, forever, regardless of age and regardless of which account types the money is loc...
by EnjoyIt
Mon Apr 15, 2019 10:58 am
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 22129

Re: Crypto bulls are back. Are you getting in?

Commenting because I want to reconcile a few things after doing fairly extensive research on bitcoin. Whatever the merits of bitcoin are, it's not a tulip, but it's no investment either--and it's not a currency in any traditional sense of the word. A cryptocurrency is really the definition of somet...
by EnjoyIt
Mon Apr 15, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Do You Give Money to Panhandlers?
Replies: 38
Views: 1959

Re: Do You Give Money to Panhandlers?

I never ever ever give money to pan handlers but will pay for a good music performance. I like the idea of [some fast food] gift cards. I might implement that in the future. Years ago I stayed at a hostel in Europe where I met a street performer. He has been traveling the world doing magic and juggi...