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Messages - sruly101

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Pickup location: Zurich (can be city location as well if cheaper)
Drop Off Location: ZRH
Pickup date & time: Jul 22nd 8:30 AM
Drop Off Date & Time: Aug 4th 2:30 PM
Car Size: Station or full size  AUTOMATIC ONLY
Age: 31
Do you need insurance: No

Please PM me


Yes it works from Israel. Just tried

Could be its from Israel, because the address on my account is an Israeli address

Makes sense by me too

Works from TLV to Europe - L class

Code: [Select]
 10  LH 687 L 11AUG 3 TLVFRA DK9   430P 800P 11AUG  E  0 32Q M                 
 11  LH 686 L 18AUG 3 FRATLV DK9  1020A 325P 18AUG  E  0 32Q M                 
   PASSENGER         PTC    NP  FARE<USD> TAX/FEE   PER PSGR                   
01 FAM/DAD          ADT     1     168.00  301.87     469.87                   
02 FAM/CHD           CNN     1       2.00  301.87     303.87                   
03 FAM/CHD           CNN     1       2.00  301.87     303.87                   
04 FAM/CHD           CNN     1       2.00  301.87     303.87                   
05 FAM/CHD           CNN     1       2.00  301.87     303.87                   
06 FAM/CHD           CNN     1       2.00  301.87     303.87                   
07 FAM/CHD           CNN     1       2.00  301.87     303.87                   
08 FAM/CHD           CNN     1       2.00  301.87     303.87                   
09 FAM/CHD           CNN     1       2.00  301.87     303.87                   
                   TOTALS    9     184.00 2716.83    2900.83

How can I get it from NY?


Was trying as well to Zurich Vienna and Munich. (From NY) and didn’t work

Credit Cards And Finance / Re: Retirement Funds
« on: May 01, 2021, 10:40:08 PM »
Looks pretty much the same to me.
I do want to clarify that you are intentionally choosing 2055, correct?
They should have funds for every 5 year period, and if you pick one too early/late, the allocation will shift at a non-ideal time for you (no way to know exactly, but the idea is that the year you choose is about when you plan to retire/use the money).
correct, I’m 30 so 2055 is my retirement fund.

I dot have yet any other investment, and have my investment account with fidelity (if it matters)

Credit Cards And Finance / Re: Retirement Funds
« on: April 30, 2021, 03:34:29 PM »

So for retirement funds:


Any difference??

Credit Cards And Finance / Re: Retirement Funds
« on: April 28, 2021, 10:17:12 AM »
Correct, it would be rather redundant to do both.

The idea of the target date funds is that you can put in the money and never touch it. It will automatically shift to more conservative holdings as you get closer to retirement.

A diversified fund like VOO is also great, but some would consider it aggressive to continue holding 100% in equities as you get closer to retirement.

If you have a Vanguard account, I'd definitely recommend using their funds (link that was posted here). If you have an account somewhere else, it's very possible that they have their own target date funds, which would likely be nearly identical.
Thanks much.
I have a fidelity account, will check if they have target data funds as well.

Credit Cards And Finance / Re: Retirement Funds
« on: April 27, 2021, 01:24:48 PM »
You're right.  Vanguard's fund that targets 2055, which they recommend for someone born 1988-1992, has the following allocation:      
   Vanguard Total Stock Market Index Fund Investor Shares   54.20%
   Vanguard Total International Stock Index Fund Investor Shares   36.30%
   Vanguard Total Bond Market II Index Fund Investor Shares†   6.50%
   Vanguard Total International Bond Index Fund Investor Shares 1   2.90%
   Vanguard Total International Bond II Index Fund   0.10%

The total stock market is made up of >3000 companies, of which about 500 (surprise!) make up the S&P 500, which can be invested in with S&P 500 funds/ETFs such as SPY or VOO (or others).  These 500 are the large companies, and make up about 75% of the Total Stock Market Index.  So 75% of 54% means that about 40% of your investment would be in a VOO-equivalent, and there's no need to invest in VOO separately.
(As I understand it, also not an expert in this. Or anything, but that's another story.)

Thanks so much for this info

Credit Cards And Finance / Re: Retirement Funds
« on: April 27, 2021, 11:59:40 AM »
I'm by no means an expert or even a novice - I know as much about investing as John Kery knows about Middle East politics. The point of the targeted retirement funds is to diversify your investment into various funds, bonds, and whatnot. A significant portion of that will be in VOO-like funds, so investing in both would be redundant.

Select the one that matches closest to when you think you might want to retire. I doubt it would make much of a difference for the first 10-20 years, until you are much closer to retirement age in which case the fund will lower the risk level of the investments. So you don't really have to worry about the fact that you have no idea when you might retire, in 20 years you might have a better idea and can adjust it then.

Thanks for explaining it, so what makes most sense is to put it only into the retirement fund that matches my age as of now and don't need to invest in VOO as well (as VOO is included in the retirement fund)

Credit Cards And Finance / Re: Retirement Funds
« on: April 27, 2021, 11:13:12 AM »


Thanks, so from what I understand is to split the money into VOO and a vanguard Target Retirement Fund, correct?

Do you have the code for the/good vanguard Target Retirement Fund

Credit Cards And Finance / Re: Retirement Funds
« on: April 27, 2021, 10:59:42 AM »
I think a target date fund is simplest, best option for you.

Thanks, can you give me an example of one?

Credit Cards And Finance / Re: Retirement Funds
« on: April 27, 2021, 10:27:14 AM »
the simplest answer? SPY. more nuanced answer you need to do a little research…

Thanks much, is SPY the same idea as good as VOO?

Credit Cards And Finance / Re: Retirement Funds
« on: April 26, 2021, 11:42:48 PM »

I just started a IRA account and will start a 401K as well, as of now I’m not in the “investing” business and I’m not interested in being busy with it.

Where should I invest the money for it to sit till retirement?
I’m not interested in taking big risks, and I’m in my low 30s (if it matters)

Thank Much

First reach out to the embassy where your mother lives to grant you a permit - (it is not so easy to obtain, you might have to say that your mother is old and sick etc. My family is also from Europe and several family members were denied exceptions to enter. They are racist's against USA citizens...)

then see if you can also get an approval for your son.

Regarding close to expiration passport IDK, I would assume if it's a minor traveling with parents it's likely to be allowed, but that's my assumption. Take along a copy of his birth certificate for a better chance.

Thanks, Actually parent is traveling along. parent has european passport while not the child (and spouse)


Have same dilemma, my son's passport is first expiring in Dec. Hope to travel soon to Europe (mother is a european so should work even if child only US passport).

Passport isn't expired, but its within the 6 months. is this rule really enforced?


Can someone running a S-Corp business in NYS file for unemployment? (no payroll involved, not a W2 or 1099)

General Discussion / Re: NYS Paid Family Leave
« on: March 18, 2020, 10:31:48 PM »

Can someone please answer me:

If someone is a self employed therapist, getting paid to his S-Corp. (no direct payroll), can he apply for PFL and claim?


On The Road / Re: Credit Card Car Rental Insurance
« on: November 03, 2019, 07:49:24 PM »

Can I use the Ink preferred business card or the united explorer business card for a pleasure car rental in israel? (not business related, as these are business cards)

On The Road / Re: Ritz-Carlton Herzliya (AKA Ritzaliya) Master Thread
« on: November 03, 2019, 05:34:49 PM »

I booked through Marriott a night, booked it on phone and I see now the reservation its only 1 adult, while ill be there with my wife and infant.

How do I change it? Do I need to change it? is there a direct email to the hotel to correct it?

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