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Everything posted by Jeb48
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Quick question about HCP numbers.
Jeb48 replied to Grayfox54's topic in Handgun Carry and Self Defense
This site says 12% for TN makes in a 4 way tie for 6th place in best armed. Texas has 7% making it a little below middle. On the other hand NY has .6% and NJ .01%. Based on 2017 data so it may be a bit different now. https://www.gunstocarry.com/concealed-carry-statistics/#numbers -
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I have had one on my maybe list for a long time. Came close about 5 years ago at a small gun show. Was the only thing there of interest but I thought he was a bit high. Waited around for him to get done chatting with another customer and after about 15 minutes talked myself out of buying it and walked away with out talking to him. Was a nice with box with both barrels. Haven't seen one since that nice for that price. Lost opportunities.
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Welcome to TGO from a bit NE of you.
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All of my 401K, Roth and our joint brokerage account are in Vanguard. My wife's 401K and Roth is in Fidelity. I do all the management myself on both and have for years. In two firms because at the time I thought it better not to put all the eggs in one firm. I was scattered out across 5 or 6 investment companies at one time and slowly moved everything into two for easier management. The short time I tried out a financial advisor, I started him with $10K with the promise of more when he showed me what he could do. In 2 years he lost half of it and talked me out of investments that if I had made and held them till now would make me about $500K richer and that was using just a portion of the $10K. I have most of my 401K split between whole stock market and whole bond funds. Roth's and brokerage account split between a few other more focused index funds in areas that might give a bit more growth. My long range plan, starting in my late 20s, was to have enough stashed that I could retire at 55 if I wanted to. Until the 2000 tech ballon blew, I would have been ready at 50. I rebalance my accounts and started switching to the approach I still use now and was ready at 55 but work was fun at the time and I waited till 57 when the company was looking for volunteers to reduce size and offered a year's pay and bridge insurance till I was 65 so I took it. As I got closer to 55 I slowly shifted my allocation from 70:30 to 50:50 and I keep it there now plus or minus 5 points or so. One nice thing about Vanguard and probably Fidelity is one call and my wife or I can change to a managed account and start paying them to do what I do, which is very little now that I have picked my mix and allocations. I'm now 72 and we lived off our savings all this time and waited till 70 to start taking SS and have more money now than we had when I retired. Maybe a sharp advisor could have made us more money or maybe not. Everyone has to make their own decision but a couple of good index funds will outperform 70-80% of the actively managed funds that advisors will put you in and you get to pay higher fees for those funds and pay the advisor. If you are into picking stocks you either have to be very good or lucky picking them. When I was doing stocks, every stock I picked went down accept the ones the financial advisor talked me out of and in reality they could have went the other way. Probably more than anyone wants to know.