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Messages - ADG

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Just Shmooze / Re: Kol Yisrael Areivim Insurance
« on: April 28, 2015, 02:54:47 PM »
Yes i donate.
Its important to point out this is not Life insurance.

General Discussion / Re: Money Market Fund, Annuities, Etc
« on: April 28, 2015, 02:40:29 PM »
I wouldnt do index funds... thats kind of like giving up... Its meant for ppl like me that dont know what they are doing. I may fall into the category but i wont let my money fall into it.
Does 15k justify hiring a firm to manage my money?

General Discussion / Re: Money Market Fund, Annuities, Etc
« on: April 28, 2015, 02:24:51 PM »
yes not everything on red. But i also find it pointless to lock up "little " amount even on "great" interest rates.

I am looking to make money but not put it on red. Looking for a risky but worth the risk kind of investment.

Thanks for your advice.
Sorry for my unprofessional terminology...:) 

General Discussion / Re: Money Market Fund, Annuities, Etc
« on: April 28, 2015, 02:03:06 PM »
You're not going to find anything with a firm commitment to pay that kind of return. It's not realistic in a world were negative yields for sovereign debt are considered normal.

Roth accounts can be fantastic for many people. If you're paying little to none in the way of taxes now you theoretically could put money in at a 10% tax rate and then qualify for a non-refundable savers credit of 50% of your deposit up to $2,000 and that would refund any tax you paid.

You're making a mistake focusing on yield, a very perilous mistake. I can name you plenty of funds with high yields. But when there is a grab for yield you will by necessity be buying into lower quality assets. This would greatly increase the odds of a loss of principal. There are REITs that can yield over 10% and there are numerous commodity stocks that yield over 5% (thank to recent pullbacks). All carry significant investment risks though.

If you have a very long term (10-20 years) horizon the typical number thrown out these days is to expect 6-8% return over time.

From your situation it sounds like you may need the money in a few years. Others can opine what you should invest in. I would strongly suggest that you consider putting the money into a Roth due to the aforementioned Saver's credit which can provide a "return" of as much as 50% of your contributed capital. This capital can be withdrawn tax free and any returns can be withdrawn for qualified expenses (typically education, healthcare or first time housing).

You could probably also throw some money into an HSA if you're planning to use the money anyway for healthcare expenses and that would provide a tax deduction if you move into a higher tax bracket in the coming year.

Why is that true? Isnt it just the same on any risk vs. reward scale

any recommendation as to what to invest in through a roth acount?

Destination Guides And Trip Planning / Re: South Florida Master Thread
« on: April 27, 2015, 11:27:37 AM »
Thanks for the info

Just Shmooze / Re: The *OFFICIAL* UPS Thread
« on: April 26, 2015, 04:45:32 PM »
PSA The UPS Method is a prank that is meant to be a joke or the other way around. Dont be discouraged their is plenty of MS out there it just wont be as easy and dont forget to post it after you succeed...

Destination Guides And Trip Planning / Re: South Florida Master Thread
« on: April 26, 2015, 03:02:53 PM »
I am looking for 10 bedrooms(could be to separate places in same neighborhood) from 25-29 of june near a shull . Any advice ( hold the sarcasm) is appreciated.   

Looking for a villa in florida near a shul for june 25-29 . 10 bedroom min.
Prices are outrages on airbnb ect... any Ideas or leeds for a economic option?


Just Shmooze / Re: The funny/strange/interesting video thread...
« on: April 24, 2015, 05:12:16 PM »
was something removed on this page?
how inappropriate was it?

If that counts I've been to shuafat and many other arab villages.
Been there

Really? I doubt you will find someone who has been there?
How about bat shalosh army base?

I was there... and I have been to many army bases many years ago... i think army bases are kind of out of the contexts of this game...

General Discussion / Re: Money Market Fund, Annuities, Etc
« on: April 24, 2015, 04:50:35 PM »
Would anyone recommend roth IRA account for someone who pays little taxes now. What yield range should i expect?

General Discussion / Re: Stroller/Carriage Master Thread
« on: April 24, 2015, 04:37:37 PM »
Hi all,

Seeking some advice about strollers. My wife is expecting and although we are not expecting twins, we see a value in purchasing the Bugaboo Donkey over the other Bugaboos since we would like to have kids close together in age.  Is this a stupid thing? Do people have the Buagaboo Donkey that can say what they like and don't like about it.  Any help would be greatly appreciated.

Thank You!

I would stay away from bugaboo and look into uppababy vista 2015.

Jeneen Israel

Thats easy...

Whats about salta,Argentina ?

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