I watched a good Judge Judy the other day; Plaintif (P) wants $3500. His car was parked on a college parking lot, he claims the defendant backed into his car, dented the rear end of his car, and drove off. Defendant (D) says it wasn't him. P has proof that a security guard saw the car hit the other car and drive off. The security guard called the police and took down a description of the car and the license number. Judge Judy asks the defendant if the license plate in the police report was his. He said it used to be, but he has a new license now. His old license was stolen. Judge Judy asks him what kind of car he drives? D says he has a gold colored Hyundai Accent. Judge Judy reads in the police report that the car that hit the trunk of the other car was a gold Hyundai Accent. Judge Judy asks the defendant, what are the chances someone would steal your license plate, and put it on his car which just happens to be exactly the same one he just stole the plates from? Defendant found guilty and had to pay $3500. I love it when she exposes the liars!
Often when someone steals a license plate to hide their identity if they are doing something wrong (like robbing a bank) they will steal it from a car that is the same model and color. That way if a police officer is behind them and runs the plate it will come back matching the car it's on.
Good point. You're not suggesting that was what happened....the guy got caught lying and sheepishly knew he was caught.
I am not suggesting anything happened just putting out there that it wasn't necessarily a lie.
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
@kyfdx said:
I can't believe that the medical industry still operates by fax. But, it's true.
I know. I needed a copy of something for my son the other day and the person at the office asked for a fax #. I asked if there was another way and there wasn’t. Luckily the school still has a fax.
Luckily I had a copy of the paper the surgeon's office had given with the two fax numbers on it. The lady at the hospital looked at it a long time and said it was a fax number in another part of the hospital.
Faxed info for the record should go to the presurgery testing since that's apparently who composes the file. When the other department got the fax at that wrong number, they probably didn't find any record of the patient and tossed it since no record at the hospital existed for my wife at that time?
Environmentalist/greenie types are much more of a force behind trying (and never succeeding) to restrict the Autobahn than safety dorks. And in Germany, the land of the greenie, if they can't do it, nobody will.
If anything does it in, it will be traffic density or some cataclysmic fuel shortage, not safety whiners (at current traffic volumes) nor greenies.
So, why the attention? Was it part of the autobahn that has a speed limit?
My understanding that there is a growing concern in Germany that there are more and more people driving at such an excessive speed on the Autobahn and that such an activity is extremely unsafe. There has been some recent talk of introducing a system wide speed limit there for decades now but it likely won't gain enough support to go through.
Fixed it for ya.
The Greenie argument for speed limits is much more formidable than the Safety dorks which I find to be simple-minded.
The greenie's have a valid argument for one. Of course, it all comes down to how much a person values their own time, and how much more utilitarian a car should be over walking or riding a bike (or a horse).
The slower traffic = more output less congestion argument needs more work. The equations used by greenies fails to take into account that slower traffic = more wrecks per mile, and that wrecks cause more congestion in and of themselves. Also, if everyone drives slower, everyone takes longer to get where they are going. So everyone's road-use minutes goes up, and that can't be good for minimizing potential conflicts.
'18 Porsche Macan Turbo, '16 Audi TTS, Wife's '19 VW Tiguan SEL 4-Motion
Scan whatever to a PDF file, and send it through the above site online. Up to 3 pages, up to twice per day. There are other sites, but this is the one I have been using for several years now, and they have always been reliable. No affiliation on my part other than satisfied user.
@driver100 said:
I watched a good Judge Judy the other day;
Plaintif (P) wants $3500. His car was parked on a college parking lot, he claims the defendant backed into his car, dented the rear end of his car, and drove off.
Defendant (D) says it wasn't him.
P has proof that a security guard saw the car hit the other car and drive off. The security guard called the police and took down a description of the car and the license number.
Judge Judy asks the defendant if the license plate in the police report was his.
He said it used to be, but he has a new license now. His old license was stolen.
Judge Judy asks him what kind of car he drives?
D says he has a gold colored Hyundai Accent.
Judge Judy reads in the police report that the car that hit the trunk of the other car was a gold Hyundai Accent.
Judge Judy asks the defendant, what are the chances someone would steal your license plate, and put it on his car which just happens to be exactly the same one he just stole the plates from?
Defendant found guilty and had to pay $3500.
I love it when she exposes the liars!
That guy better never try cheating when he does his taxes.
jmonroe
'15 Genesis Ultimate just like jmonroe's. '18 Legacy Limited with 3.6R (Mrs. j's)
The safety argument is why such roads can never exist in the US - the typical driver lacks the skills and mental state to handle such driving, and cars in many areas aren't up for it too.
Germany has seen a massive increase in truck traffic over the past generation, along with population growth. Those mean at the very least, the amount of unrestricted autobahn will never increase. If one wants to drive there, do it now.
Environmentalist/greenie types are much more of a force behind trying (and never succeeding) to restrict the Autobahn than safety dorks. And in Germany, the land of the greenie, if they can't do it, nobody will.
If anything does it in, it will be traffic density or some cataclysmic fuel shortage, not safety whiners (at current traffic volumes) nor greenies.
So, why the attention? Was it part of the autobahn that has a speed limit?
My understanding that there is a growing concern in Germany that there are more and more people driving at such an excessive speed on the Autobahn and that such an activity is extremely unsafe. There has been some recent talk of introducing a system wide speed limit there for decades now but it likely won't gain enough support to go through.
Fixed it for ya.
The Greenie argument for speed limits is much more formidable than the Safety dorks which I find to be simple-minded.
The greenie's have a valid argument for one. Of course, it all comes down to how much a person values their own time, and how much more utilitarian a car should be over walking or riding a bike (or a horse).
The slower traffic = more output less congestion argument needs more work. The equations used by greenies fails to take into account that slower traffic = more wrecks per mile, and that wrecks cause more congestion in and of themselves. Also, if everyone drives slower, everyone takes longer to get where they are going. So everyone's road-use minutes goes up, and that can't be good for minimizing potential conflicts.
The safety argument is why such roads can never exist in the US - the typical driver lacks the skills and mental state to handle such driving, and cars in many areas aren't up for it too.
Germany has seen a massive increase in truck traffic over the past generation, along with population growth. Those mean at the very least, the amount of unrestricted autobahn will never increase. If one wants to drive there, do it now.
Environmentalist/greenie types are much more of a force behind trying (and never succeeding) to restrict the Autobahn than safety dorks. And in Germany, the land of the greenie, if they can't do it, nobody will.
If anything does it in, it will be traffic density or some cataclysmic fuel shortage, not safety whiners (at current traffic volumes) nor greenies.
So, why the attention? Was it part of the autobahn that has a speed limit?
My understanding that there is a growing concern in Germany that there are more and more people driving at such an excessive speed on the Autobahn and that such an activity is extremely unsafe. There has been some recent talk of introducing a system wide speed limit there for decades now but it likely won't gain enough support to go through.
Fixed it for ya.
The Greenie argument for speed limits is much more formidable than the Safety dorks which I find to be simple-minded.
The greenie's have a valid argument for one. Of course, it all comes down to how much a person values their own time, and how much more utilitarian a car should be over walking or riding a bike (or a horse).
The slower traffic = more output less congestion argument needs more work. The equations used by greenies fails to take into account that slower traffic = more wrecks per mile, and that wrecks cause more congestion in and of themselves. Also, if everyone drives slower, everyone takes longer to get where they are going. So everyone's road-use minutes goes up, and that can't be good for minimizing potential conflicts.
not just the traffic. Or the skill level (negligible) of the average driver. Or the scary condition of a lot of cars still on the road.
The government entities will never, ever spend the money to keep the roads in the pristine condition required to safely drive those kind of speeds (even if you have a perfect 911 and a competition license). Especially in snow/salt/freezing areas like the NE, even the pay to drive on them interstates are in largely horrible condition. Lots of truck induced washboard too.
maybe out west where there are more coyotes than people and it never freezes you can find some! With light enough traffic to make it feasible. But 80 on the NY Thruway or the Jersey turnpike is normally about all you can really do at anything passing for a safe speed factoring all that in.
Back in 2020, when I was desperately ill, my ex took me in for a month and helped me to recuperate. For which I will be eternally grateful. Not only that, she took in my 3 dogs, which is definitely above and beyond. My dogs got used to sleeping on her couch.
After I recovered enough to move back to my own house, which did not have a couch, I relented and bought a couch just for the dogs. And they definitely appreciate it.
So, off topic, but ... I know there are a lot of people here with knowledge about financial matters, which is definitely not my area of expertise. I have a little over $500k “behind the firewall”, half in mutual funds and bonds (about evenly split), and the other half in an annuity which has matured. I need to move out of that annuity. Fidelity (which has all of my accounts) suggested that I move the money out of the annuity into the IRA, and shift from 50/50 mutual funds / bonds into a 70/30 split. They further suggested that I use their professional management for a fee of 1% per year.
Does this sound reasonable?
My situation is secure. I could live on my social security if I had to, and I have a fair bit of cash on hand. House paid for, a car and a truck paid for, no debt at all. I can afford to take some chances.
if you are looking at it as longer term money the split is not scary. the 1% fee is steep though to pay every year since this is more "set it and forget it". $5,000 to put your money into a couple of funds, then that much again a year later to keep them there, is a lot.
You can probably get the same end result just putting the money into a target date fund that has the same basic investment split. And save yourself the fee.
I think a good idea for anyone with a relatively large amount of money and no idea what to do with it is to find a well referenced financial planner that just does plans for you, but doesn't handle your investments. They will give you their opinion and recommend options, and you are done. Sounds like you are mostly looking for a place to put it then just leave it alone anyway.
but, I am not an expert! But looking forward to seeing what the smarter crowd recommends. I have to do something like this soon too (eventually will retire and need to move the 401k balances from the company plan to Vanguard, and figure out where to put it).
if you are looking at it as longer term money the split is not scary. the 1% fee is steep though to pay every year since this is more "set it and forget it". $5,000 to put your money into a couple of funds, then that much again a year later to keep them there, is a lot.
You can probably get the same end result just putting the money into a target date fund that has the same basic investment split. And save yourself the fee.
I think a good idea for anyone with a relatively large amount of money and no idea what to do with it is to find a well referenced financial planner that just does plans for you, but doesn't handle your investments. They will give you their opinion and recommend options, and you are done. Sounds like you are mostly looking for a place to put it then just leave it alone anyway.
but, I am not an expert! But looking forward to seeing what the smarter crowd recommends. I have to do something like this soon too (eventually will retire and need to move the 401k balances from the company plan to Vanguard, and figure out where to put it).
if you are looking at it as longer term money the split is not scary. the 1% fee is steep though to pay every year since this is more "set it and forget it". $5,000 to put your money into a couple of funds, then that much again a year later to keep them there, is a lot.
You can probably get the same end result just putting the money into a target date fund that has the same basic investment split. And save yourself the fee.
I think a good idea for anyone with a relatively large amount of money and no idea what to do with it is to find a well referenced financial planner that just does plans for you, but doesn't handle your investments. They will give you their opinion and recommend options, and you are done. Sounds like you are mostly looking for a place to put it then just leave it alone anyway.
but, I am not an expert! But looking forward to seeing what the smarter crowd recommends. I have to do something like this soon too (eventually will retire and need to move the 401k balances from the company plan to Vanguard, and figure out where to put it).
I started moving some money into a Vanguard account. Usually when I do something like that the market tanks.
As I mentioned last week, my brother filed my taxes with the IRS Saturday afternoon. I checked my checking account balance last night on my mobile APP and my refund has already been electronically deposited.
That has to be a record for getting a tax refund from the IRS - 6 days (actually only 5 business days). Truly amazing!
So, off topic, but ... I know there are a lot of people here with knowledge about financial matters, which is definitely not my area of expertise. I have a little over $500k “behind the firewall”, half in mutual funds and bonds (about evenly split), and the other half in an annuity which has matured. I need to move out of that annuity. Fidelity (which has all of my accounts) suggested that I move the money out of the annuity into the IRA, and shift from 50/50 mutual funds / bonds into a 70/30 split. They further suggested that I use their professional management for a fee of 1% per year.
Does this sound reasonable?
My situation is secure. I could live on my social security if I had to, and I have a fair bit of cash on hand. House paid for, a car and a truck paid for, no debt at all. I can afford to take some chances.
Definitely reduce your bond exposure as those are going nowhere for the next few years. My two best winners over the last 10 years have been S&P500 and small cap growth mutual funds. If you can pick individual stock winners go to the race track and pick winners there.
I’ve always wondered if those money management services were worth it. From what I’ve read they don’t beat the averages consistently.
My natural inclination on IRAs is to use a Roth rather than an traditional.
Remember, free investment advice is worth every penny you pay.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
@henrynjo The 1% might be worth it because they might make you more than the 1% fee if they know what they are doing. Also, you don't have to think about it......they can probably send you money to live on every month......and they can rebalance your portfolio if it gets out of whack...say too much in bonds, or sell off a stock if it becomes a big part of your portfolio. They can sell things in a mutual fund and claim the loss....do you want to do that stuff? We pay our guys a fair amount but I find it is worth it because they seem to know what they are doing....and I don't have to think about it. I'd rather play pickleball than think about what I should buy or sell.
Another factor....when the market goes down I don't have to think about it. I don't even look at my portfolio, and I hope they are buying bargains that will actually go up even more....I don't have the guts to do that!
if you are looking at it as longer term money the split is not scary. the 1% fee is steep though to pay every year since this is more "set it and forget it". $5,000 to put your money into a couple of funds, then that much again a year later to keep them there, is a lot.
You can probably get the same end result just putting the money into a target date fund that has the same basic investment split. And save yourself the fee.
I think a good idea for anyone with a relatively large amount of money and no idea what to do with it is to find a well referenced financial planner that just does plans for you, but doesn't handle your investments. They will give you their opinion and recommend options, and you are done. Sounds like you are mostly looking for a place to put it then just leave it alone anyway.
but, I am not an expert! But looking forward to seeing what the smarter crowd recommends. I have to do something like this soon too (eventually will retire and need to move the 401k balances from the company plan to Vanguard, and figure out where to put it).
I started moving some money into a Vanguard account. Usually when I do something like that the market tanks.
Sorry.
Dollar cost average and over time you’ll always do better.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
@venture, I opened some Vanguard accounts just over a year ago. Was shocked at the capitals gains when I got my 1099, especially since account value did not go up accordingly.
if you are looking at it as longer term money the split is not scary. the 1% fee is steep though to pay every year since this is more "set it and forget it". $5,000 to put your money into a couple of funds, then that much again a year later to keep them there, is a lot.
You can probably get the same end result just putting the money into a target date fund that has the same basic investment split. And save yourself the fee.
I think a good idea for anyone with a relatively large amount of money and no idea what to do with it is to find a well referenced financial planner that just does plans for you, but doesn't handle your investments. They will give you their opinion and recommend options, and you are done. Sounds like you are mostly looking for a place to put it then just leave it alone anyway.
but, I am not an expert! But looking forward to seeing what the smarter crowd recommends. I have to do something like this soon too (eventually will retire and need to move the 401k balances from the company plan to Vanguard, and figure out where to put it).
I started moving some money into a Vanguard account. Usually when I do something like that the market tanks.
Sorry.
Dollar cost average and over time you’ll always do better.
Agreed. I periodically put more money in it. Other than that I don't even look at it.
@oldfarmer50, I'm pretty sure the lone survivor XB70 is at WP AFB near Dayton. You should see if you car get a car transfer to that area. WP is on my list. It will be easier to get there once I move to Ohio later this year.
Been several times. WPAFB museum is a wonder and worth a special trip.
@oldfarmer50, I'm pretty sure the lone survivor XB70 is at WP AFB near Dayton. You should see if you car get a car transfer to that area. WP is on my list. It will be easier to get there once I move to Ohio later this year.
Been several times. WPAFB museum is a wonder and worth a special trip.
I’d love to see that if I’m ever out that way.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
I'm having a difficult time figuring out what the excuse is at the moment for oil and gasoline prices rising to such levels.
I think it is excuse number 47. They have a list, they just tell us the number of the excuse now.
Refineries keep recycling that same list for the past 50 years.
There is no good reason for gas prices to rise. If anything, with the dismal outlook for demand in light of the accelerating EV industry, it should be going down.
There are other factors. All that infrastructure is still there, and expensive. Selling less could easily mean charging more for what’s left. And of course the supply decreases, which usually means it’s pricier.
For the past several years, I’ve predicted the oil industry stubbornly does not see the writing on the wall. They keep the old, arcane infrastructure you speak of, when they should be setting up charging stations at their retail outlets with areas people can come and eat, drink, relax while they top off their “ejuice”.
Mark it down, soon…as in the next couple of years, there’s going to be whining from the refineries how they aren’t set up for the rush of “e-vehicles” on the roads. And, they’ll once again ask for tax payer help to do so.
All those oil rigs you see today? They’ve already started to become idle, and eventually, will be silent….sooner rather than later.
High gas prices make no economic sense right now. I don’t know how many more times the consumer needs to be lied to for them to justify their feeble attempts to justify the increase.
Price spikes have often been profit gauging from fear. Though now it’s quite likely supply being restricted too. If demand stagnates and the tanks start overflowing it could drop quick.
Markets really hate uncertainty and disruptions. And there is a lot of that now.
@venture, I opened some Vanguard accounts just over a year ago. Was shocked at the capitals gains when I got my 1099, especially since account value did not go up accordingly.
Found this great video on what happened. You have to watch for about 8 minutes or so.
@henryn Are you in an annuity that's within an IRA or 401K? Sort of a weird treatment. If it's not already in a tax-deferred account, not sure you can put it in your IRA.
But, assuming it's in a tax-deferred account, and you just have to re-allocate the resources:
$125K equity mutual funds? $125K bond funds? $250K cash from annuity? 65-75 yrs old?
70/30 isn't a bad idea. If you move the cash into equity funds, that would be a 75/25 split, right there.
I would dollar cost average into your equity funds. $25K or $50K per month, until you get where you are comfortable with the split. I certainly wouldn't pay Fidelity $5K+ each year to manage it.
If you want to make it easier, take the $250K in equity/bond funds, and stick them in a 2030 target date fund. That will start out around 70/30, and slowly get more conservative, over time. Then take your $250K cash, and average into that fund, over the next 5-10 months.
You'll have everything in one fund. Not only will you get the equity/bond split you want, you'll also get exposure to international equity/bonds (most target date funds are about 70/30 domestic/international, as well).
Fidelity isn't going to give you an adviser for just $500K. They'll basically use a robo-adviser. (even if you have a contact). You can use their expertise with a target-date fund, without paying the fee.
Also, see if they have a short-term fund that pays a little better than a money market fund. Never hurts to have $20K-$30K free of the market, in case you need it.
Current administration is asking for $6B to start expanding the charging network. It's going to happen, at some point, and I'll guess it will mostly leave out gas stations and oil companies from participating.
@kyfdx said:
Current administration is asking for $6B to start expanding the charging network. It's going to happen, at some point, and I'll guess it will mostly leave out gas stations and oil companies from participating.
Some of them should use the mentality of “if you can’t beat them.. join them”
Start a new division and roll with it. The change to electric and less reliance on oil will happen with or without those companies.
Current administration is asking for $6B to start expanding the charging network. It's going to happen, at some point, and I'll guess it will mostly leave out gas stations and oil companies from participating.
Some of them should use the mentality of “if you can’t beat them.. join them”
Start a new division and roll with it. The change to electric and less reliance on oil will happen with or without those companies.
I think electric utilities have a leg up. They'll benefit the most, I think.
High gas prices make no economic sense right now. I don’t know how many more times the consumer needs to be lied to for them to justify their feeble attempts to justify the increase.
Local TV had a story on gas prices, one of their favorite topics. It included these quotes attempting to explain why: = “It’s likely to hit 120 dollars a barrel. And that doesn’t even include potential problems with Ukraine and Russia in the next couple of weeks. It is a very alarming situation that is occurring," says Dan McTeague from Canadians for Affordable Energy. = "I'm not overly surprised because the economy is getting stronger, so there is more demand," says George Karaphillis, Cape Breton University business professor. Karaphillis says he expects gas prices to climb well into the summer months - and says there's not much government can do about it.
"My take on it is that economics always wins over politics. It's a world commodity. Oil is easily transportable and there's no government that has the power to affect the price of that," says Karaphillis.
Karaphillis says a low Canadian dollar, rising oil prices, and a shift towards green energy is also driving prices up. =
Current administration is asking for $6B to start expanding the charging network. It's going to happen, at some point, and I'll guess it will mostly leave out gas stations and oil companies from participating.
@venture, I opened some Vanguard accounts just over a year ago. Was shocked at the capitals gains when I got my 1099, especially since account value did not go up accordingly.
spent some time today screwing around trying to get music files sorted out. Between my CD collection, itunes, windows media player and the USB stick and my phone, I am about ready to throw everything out and just listen to FM again.
I think I made some discoveries on ripping the CDs. Should be able to do that in WMP in a format the car will read (sadly the first few I practiced on, I neglected to check that first!) so might spend the next month copying CDs on my laptop while I am working (just make a stack and keep feeding them in when the last one finishes). Put them all into a folder, and copy that to the USB drive and hope it all works. Not sure if the shuffle makes you pick a folder, but if so, just means having to copy them all into one I guess.
I should mention that the share price of my funds went down commensurate with the gains reported, so I didn't actually end up ahead and I have to pay taxes on those gains. That's just the way things go sometimes.
2024 Ford F-150 STX, 2023 Ford Explorer ST, 91 Mustang GT vert
I should mention that the share price of my funds went down commensurate with the gains reported, so I didn't actually end up ahead and I have to pay taxes on those gains. That's just the way things go sometimes.
This is the exact reason that I don't hold equity mutual funds in a taxable account.
Current administration is asking for $6B to start expanding the charging network. It's going to happen, at some point, and I'll guess it will mostly leave out gas stations and oil companies from participating.
Some of them should use the mentality of “if you can’t beat them.. join them”
Start a new division and roll with it. The change to electric and less reliance on oil will happen with or without those companies.
That could be a smart business model for someone who is smart and has access to capital. Start a chain of restaurants with multiple charging stations and a menu that corresponded to the charging time of the vehicles. People could stop for a quick meal and a quick charge.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
Current administration is asking for $6B to start expanding the charging network. It's going to happen, at some point, and I'll guess it will mostly leave out gas stations and oil companies from participating.
Some of them should use the mentality of “if you can’t beat them.. join them”
Start a new division and roll with it. The change to electric and less reliance on oil will happen with or without those companies.
That could be a smart business model for someone who is smart and has access to capital. Start a chain of restaurants with multiple charging stations and a menu that corresponded to the charging time of the vehicles. People could stop for a quick meal and a quick charge.
There are already restaurant chains that give me gas....
Current administration is asking for $6B to start expanding the charging network. It's going to happen, at some point, and I'll guess it will mostly leave out gas stations and oil companies from participating.
Some of them should use the mentality of “if you can’t beat them.. join them”
Start a new division and roll with it. The change to electric and less reliance on oil will happen with or without those companies.
That could be a smart business model for someone who is smart and has access to capital. Start a chain of restaurants with multiple charging stations and a menu that corresponded to the charging time of the vehicles. People could stop for a quick meal and a quick charge.
There are already restaurant chains that give me gas....
‘that give me gas..’. not good
2021 VW Arteon SEL 4-motion, 2018 VW Passat SE w/tech, 2016 Audi Q5 Premium Plus w/tech
How do we go all electric because we can't produce enough electricity? And, as we discussed, how do people who park on the street, who live in older apartments, who park outside......hook their cars up?
How do we go all electric because we can't produce enough electricity? And, as we discussed, how do people who park on the street, who live in older apartments, who park outside......hook their cars up?
And, how is the power grid going to handle cars going all electric?
Comments
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
I know. I needed a copy of something for my son the other day and the person at the office asked for a fax #. I asked if there was another way and there wasn’t. Luckily the school still has a fax.
2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic / 2022 Icon I6L Golf Cart
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
Luckily I had a copy of the paper the surgeon's office had given with the two fax
numbers on it. The lady at the hospital looked at it a long time and said it was
a fax number in another part of the hospital.
Faxed info for the record should go to the presurgery testing since that's
apparently who composes the file. When the other department got the
fax at that wrong number, they probably didn't find any record of the
patient and tossed it since no record at the hospital existed for my wife
at that time?
2014 Malibu 2LT, 2015 Cruze 2LT,
@imidazol97
My prayers for the speedy recovery of your spouse.
2024 Genesis G90 Super-Charger
Ditto!
Mine: 1995 318ti Club Sport-2020 C43-1996 Speed Triple Challenge Cup Replica
Wife's: 2021 Sahara 4xe
Son's: 2018 330i xDrive
The greenie's have a valid argument for one. Of course, it all comes down to how much a person values their own time, and how much more utilitarian a car should be over walking or riding a bike (or a horse).
The slower traffic = more output less congestion argument needs more work. The equations used by greenies fails to take into account that slower traffic = more wrecks per mile, and that wrecks cause more congestion in and of themselves. Also, if everyone drives slower, everyone takes longer to get where they are going. So everyone's road-use minutes goes up, and that can't be good for minimizing potential conflicts.
Scan whatever to a PDF file, and send it through the above site online. Up to 3 pages, up to twice per day. There are other sites, but this is the one I have been using for several years now, and they have always been reliable. No affiliation on my part other than satisfied user.
That guy better never try cheating when he does his taxes.
jmonroe
'18 Legacy Limited with 3.6R (Mrs. j's)
Germany has seen a massive increase in truck traffic over the past generation, along with population growth. Those mean at the very least, the amount of unrestricted autobahn will never increase. If one wants to drive there, do it now.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
The government entities will never, ever spend the money to keep the roads in the pristine condition required to safely drive those kind of speeds (even if you have a perfect 911 and a competition license). Especially in snow/salt/freezing areas like the NE, even the pay to drive on them interstates are in largely horrible condition. Lots of truck induced washboard too.
maybe out west where there are more coyotes than people and it never freezes you can find some! With light enough traffic to make it feasible. But 80 on the NY Thruway or the Jersey turnpike is normally about all you can really do at anything passing for a safe speed factoring all that in.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
After I recovered enough to move back to my own house, which did not have a couch, I relented and bought a couch just for the dogs. And they definitely appreciate it.
Does this sound reasonable?
My situation is secure. I could live on my social security if I had to, and I have a fair bit of cash on hand. House paid for, a car and a truck paid for, no debt at all. I can afford to take some chances.
You can probably get the same end result just putting the money into a target date fund that has the same basic investment split. And save yourself the fee.
I think a good idea for anyone with a relatively large amount of money and no idea what to do with it is to find a well referenced financial planner that just does plans for you, but doesn't handle your investments. They will give you their opinion and recommend options, and you are done. Sounds like you are mostly looking for a place to put it then just leave it alone anyway.
but, I am not an expert! But looking forward to seeing what the smarter crowd recommends. I have to do something like this soon too (eventually will retire and need to move the 401k balances from the company plan to Vanguard, and figure out where to put it).
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
I always referred to Small Claims Court as The Gong Show; it was usually good for a few laughs, but I had to keep a straight face(usually).
Mine: 1995 318ti Club Sport-2020 C43-1996 Speed Triple Challenge Cup Replica
Wife's: 2021 Sahara 4xe
Son's: 2018 330i xDrive
Sorry.
2025 Forester Limited, 2024 Subaru Legacy Sport
2025 Forester Limited, 2024 Subaru Legacy Sport
As I mentioned last week, my brother filed my taxes with the IRS Saturday afternoon. I checked my checking account balance last night on my mobile APP and my refund has already been electronically deposited.
That has to be a record for getting a tax refund from the IRS - 6 days (actually only 5 business days). Truly amazing!
2024 Genesis G90 Super-Charger
I’ve always wondered if those money management services were worth it. From what I’ve read they don’t beat the averages consistently.
My natural inclination on IRAs is to use a Roth rather than an traditional.
Remember, free investment advice is worth every penny you pay.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
We pay our guys a fair amount but I find it is worth it because they seem to know what they are doing....and I don't have to think about it. I'd rather play pickleball than think about what I should buy or sell.
Another factor....when the market goes down I don't have to think about it. I don't even look at my portfolio, and I hope they are buying bargains that will actually go up even more....I don't have the guts to do that!
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
I opened some Vanguard accounts just over a year ago.
Was shocked at the capitals gains when I got my 1099, especially since account value did not go up accordingly.
Found this great video on what happened.
You have to watch for about 8 minutes or so.
2025 Forester Limited, 2024 Subaru Legacy Sport
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
Mark it down, soon…as in the next couple of years, there’s going to be whining from the refineries how they aren’t set up for the rush of “e-vehicles” on the roads. And, they’ll once again ask for tax payer help to do so.
All those oil rigs you see today? They’ve already started to become idle, and eventually, will be silent….sooner rather than later.
High gas prices make no economic sense right now. I don’t know how many more times the consumer needs to be lied to for them to justify their feeble attempts to justify the increase.
Price spikes have often been profit gauging from fear. Though now it’s quite likely supply being restricted too. If demand stagnates and the tanks start overflowing it could drop quick.
Markets really hate uncertainty and disruptions. And there is a lot of that now.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
2025 Forester Limited, 2024 Subaru Legacy Sport
But, assuming it's in a tax-deferred account, and you just have to re-allocate the resources:
$125K equity mutual funds?
$125K bond funds?
$250K cash from annuity?
65-75 yrs old?
70/30 isn't a bad idea. If you move the cash into equity funds, that would be a 75/25 split, right there.
I would dollar cost average into your equity funds. $25K or $50K per month, until you get where you are comfortable with the split. I certainly wouldn't pay Fidelity $5K+ each year to manage it.
If you want to make it easier, take the $250K in equity/bond funds, and stick them in a 2030 target date fund. That will start out around 70/30, and slowly get more conservative, over time. Then take your $250K cash, and average into that fund, over the next 5-10 months.
You'll have everything in one fund. Not only will you get the equity/bond split you want, you'll also get exposure to international equity/bonds (most target date funds are about 70/30 domestic/international, as well).
Fidelity isn't going to give you an adviser for just $500K. They'll basically use a robo-adviser. (even if you have a contact). You can use their expertise with a target-date fund, without paying the fee.
Also, see if they have a short-term fund that pays a little better than a money market fund. Never hurts to have $20K-$30K free of the market, in case you need it.
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Some of them should use the mentality of “if you can’t beat them.. join them”
Start a new division and roll with it. The change to electric and less reliance on oil will happen with or without those companies.
2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic / 2022 Icon I6L Golf Cart
Some of them should use the mentality of “if you can’t beat them.. join them”
Start a new division and roll with it. The change to electric and less reliance on oil will happen with or without those companies.
I think electric utilities have a leg up. They'll benefit the most, I think.
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“It’s likely to hit 120 dollars a barrel. And that doesn’t even include potential problems with Ukraine and Russia in the next couple of weeks. It is a very alarming situation that is occurring," says Dan McTeague from Canadians for Affordable Energy.
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"I'm not overly surprised because the economy is getting stronger, so there is more demand," says George Karaphillis, Cape Breton University business professor. Karaphillis says he expects gas prices to climb well into the summer months - and says there's not much government can do about it.
"My take on it is that economics always wins over politics. It's a world commodity. Oil is easily transportable and there's no government that has the power to affect the price of that," says Karaphillis.
Karaphillis says a low Canadian dollar, rising oil prices, and a shift towards green energy is also driving prices up.
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Not a lot of insight there.
2017 Cadillac ATS Performance Premium 3.6
Agreed.
2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic / 2022 Icon I6L Golf Cart
I just got my work profit sharing and all I can say is that the company did VERY well in 2021.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
I think I made some discoveries on ripping the CDs. Should be able to do that in WMP in a format the car will read (sadly the first few I practiced on, I neglected to check that first!) so might spend the next month copying CDs on my laptop while I am working (just make a stack and keep feeding them in when the last one finishes). Put them all into a folder, and copy that to the USB drive and hope it all works. Not sure if the shuffle makes you pick a folder, but if so, just means having to copy them all into one I guess.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
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Some of them should use the mentality of “if you can’t beat them.. join them”
Start a new division and roll with it. The change to electric and less reliance on oil will happen with or without those companies.
That could be a smart business model for someone who is smart and has access to capital. Start a chain of restaurants with multiple charging stations and a menu that corresponded to the charging time of the vehicles. People could stop for a quick meal and a quick charge.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
There are already restaurant chains that give me gas....
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‘that give me gas..’. not good
2021 VW Arteon SEL 4-motion, 2018 VW Passat SE w/tech, 2016 Audi Q5 Premium Plus w/tech
And, as we discussed, how do people who park on the street, who live in older apartments, who park outside......hook their cars up?
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
Add me to that group. Here to a speedy recovery.
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D