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No, you are not too young. The money you put in today will yield the most results by the time you retire. It has 45 or more years to grow, so it will matter more.
To answer the “what type” question, I need to know your current tax bracket. Almos always, you will be better off with a Roth, but there are exceptions.
If you have the time, you can manage it yourself. But do you have the time or the inclination or the knowledge.
One nice alternative to managing it yourself are Vanguard funds – they have funds with very low management fees, and some indexed funds with infinitessimally low management fees.
-rsr-
Former Certified Financial Planner
Much of the land on that campus was once a Jewish Agricultural settlement purchased by Gabriel Davidson, a jewish judge, in the 1920s. Many jewish farmers were trained there.
One of the main roads through the campus is named for Davidson, Davidson Road.
I would like to put in a good word for UMDNJ. Not because I know anything about dental schools or such, but because I went to graduate school on that same campus in Piscataway, NJ. It is a very nice place to go to school, and very conveniently located with easy access to most of the cities on the east coast. Go, Rutgers!
I am thinking now how I can turn being a “Supervoter” to my advantage.
In the next election cycle, I would expect that any candidate who wishes my vote would come by and clean out the gutters on my house by October 31st.
I’m afraid that dogs won’t like me.
so, here’s the solution. Get a small pocket recorder. Record the word “AMEN” on it, and whenever you feel like saying the word “AMEN” take out the recorder, and play back the “AMEN.”
You don’t have to thank me too much for this slick solution to a very difficult question.
is it true that his opponent’s middle name is “Hussein?”
Dear Blinky,
I will pass your praise on to my mother when I see her this weekend.
We have a 17-year old boy from Russia living with us for two years, and I took him with me to vote in the September primary & last Tuesday and watch me fill in the bubbles. I’m hoping he’ll pick up the same habit.
dear d a,
you remind me of a bumpersticker from the 1970’s:
The difference between
Men and boys
is the price
of their toys.
Ben Torah, no it is perfectly acceptable to have someone assist you. Many people with disabilities need assistance, and many people vote ahead of time, in the comfort of their homes these days. Who is going to stop them?
brace yourself!
Blinky, my mother used to take me to vote when I was a boy. We had those fancy voting machines, with a curtain and levers and everything. It was great fun and made me feel important when she would let me pull the lever to close the curtain.
I think that’s why I never miss an election.
Vote often
Vote early
for James Michael Curley
– Campaign ditty of former Boston mayor.
I have voted in every election since 1979 or so, save for one primary election.
Now, your voting record is public record – not what or whom you voted for, but whether you voted. Today, campaigners try to correlate this information and target the sure voters.
I believe this year I was tagged as a Supervoter. I was getting 10-12 campaign messages a day on the phone, and stacks of mail from every candidate.
are we going to take the poster’s word for it, or shall we require a chromosome test, like the Olympics?
I think the exact term for what happened to me was “wardrobe failure.” My arms were full of three bags, so it took a few seconds to put everything down and pull up my pants. (No comments on tznius, please)
Fortunately, I had heeded my mother’s advice that day, and worn clean and (relatively) modest underpants.
along those lines, I was walking down a busy airport corridor, carrying bags in each hand. I had just lost 20 pounds, and my pants were a bit large, and I could feel them threatening to fall. I pushed out my abdomen to try to keep them up, but after a few more steps, the pants were down around my knees.
it it truly a “yomtov a shayna” as the song says? Or something else alltogether?
I was lucky. My mother smoked until I was 14, and I was so disgusted by the habit, that I never really had the urge to even try that. I took two puffs on a cigarette in college, and it was enough for my entire life.
Some people can maintain their weight easily, others have a great deal of trouble maintaining and find it almost impossible to lose weight. Frequently, it is not because they are weak or lack willpower, but it is because it IS HARDER FOR THEM.
The same is true with cigarettes. I think those that can easily give them up gave them up long ago. Those that can give them up with moderate difficulty did a little later. Many of those who are still hooked by demon nicotine have a serious addiction.
Remember — putting them down doesn’t help their situation at all. Try compassion and support.
Why only two people running for president? If you’re having a direct election, why not just open up the field?
Ashli T Totty, Age 39
Jeffery T Totty, Age 41
Jan R Totty, Age 46
Karla L Totty, Age 35
Ginger N Totty, Age 30
Wilfred Totty, Age 87
Beth M Totty, Age Unknown
Andrea J Totty, Age Unknown
E A Totty, Age Unknown
Wilma Totty, Age Unknown
These are the only Tottys I could find in the public records for Brooklyn.
Muralyn Totty
How hard could it be to locate BPTotty. Just go to Borough Park, and shout out “totty” and see who looks up. How many can there be?
Reminds me of the two inmates of the Illinois penitentiary who are discussing the quality of the food in the prison.
“You know, the food here was much better when you were governor.”
also, you may ultimately want to replace the window. If it’s for your residence, the federal government will pick up 30% of the cost of the window if it’s in service by Dec. 31, and if you haven’t yet used up all of your $1500 energy tax credit in 2009 and 2010.
Is this a trick question?
it depends for whom the electors (members of the Electoral College) vote for for vice-president. Electors may vote for anyone eligible to run for vice-president. Some are bound or pledged to vote for the candidate who won the majority of votes in the electors state, others are not.
Presuming that the results you give above are the electoral vote and not the popular vote, Mr. A would be the vice-president elect. Or, given the trend in tonight’s voting, it could be Ms. A.
<<Smoking is an addiction and those who dont quit are either too lazy to stop or dont care enouth too.>>
addiction effects different people differently. Some people can quit at the drop of a hat, other people can not quit without extreme difficulty.
There is no use in getting angry with these people; compassion and support are more appropriate ways of dealing with them.
everyone who could easily quit has quit. The people who smoke today are either incredibly oblivious to the dangers, or are among those unfortunate souls who have a horrible addiction to nicotine.
Not everybody’s body reacts to addictive substances the same way. Some people have very strong addictions, and would need much help in overcoming them. Others can just give up an addictive substance and never look back.
caulk, weatherstripping, etc. If that doesn’t work, try window film insulation kits, such as the one made by 3M.
I was just thinking something like that. Meds shouldn’t be the last resort, but they certainly shouldn’t be the first.
So much is known about anxiety, and so many non-pharmaceutical interventions are available, that you should try at least a few of those first.
Now, take a deep breath and try another one.
Dr. Benson’s book, The Relaxation Response. Learn how to relax when you feel the anxiety rising. It’s based on Transcendental Meditation, and it does work, through self-care, nutrition, exercise and cognitive restructuring, it does let you create a physical state of deep rest that changes your physical and emotional responses to stress. It works for millions of people and I find it very helpful.
Dr. Benson is an associate Professor of Medicine at Harvard Medical School, and has been promoting this method since the first publication of his book in 1975.
Check out the website at http://www.relaxationresponse.org
I am against people coming to work sick. I’m trying to stay healthy, and they’re hacking germs all over me.
I think there’s a name for this now, “presenteeism.” When you go to work, when you should really be home.
Please be considerate and keep your germs to yourself. Thanks!
also, I’m self-employed, so if you go to work, and make me sick, I lose a few days of income. Coming to work sick is not a victimless crime! and you are not the victim!
More businesses claim to discourage coming in sick, but I haven’t really seen this work in practice. There’s got to be a better way. It’s not good for you, and it’s not good for me.
also, quinoa comes in white, black and red varieties, to suit your pallette as well as your palate.
and it’s chometz-free!
I like it for dinner with a bit of ketchup mixed in. Or for breakfast, in soy or almond milk.
NO, that’s not correct. Feet smell like quinoa.
arc – you must rinse the quinoa carefully before cooking it (or buy pre-rinsed quinoa) — otherwise it will have a bitter taste. It should have a pleasant, nutty taste.
quinoa – (pronounced keen-wah) a nice grain substitute, very nutritious, very high in protein, and most important, very tasty.
Don’t worry, The Wolf, you haven’t missed much. It’s kind of interesting the first time, but doesn’t have much to recommend it subsequently.
I have an 18 y.o. stepson who has nonverbal learning disorder, which is somewhere on the autism scale. He doesn’t read body language or gestures very well, or understand, for instance, when someone is annoyed with him.
He was undiagnosed for a long time, and has grown up very angry, very uncommunicative, and very embittered towards his parents. He is in a bad place, and won’t ask for or accept any help from anyone who can help him.