BF_2

BF_2 t1_j7dqikw wrote

I recommend using Google Maps to look up relevant retailers -- ethnic grocers and clothing stores, religious institution, etc. Ethnic restaurants may be relevant or not, depending whether they cater to all or mainly to the ethnicity. I recommend this approach because it's quick and easy.

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BF_2 t1_j63mnz9 wrote

There was an article somewhere about a year back that documented that the best financial advisor is none at all. Persons the best at managing their portfolios -- were dead!

You put your money into something that meets your risk tolerance, then leave it alone. Do NOT try to "beat the market." That's gambling and leads to losing.

Log onto some investment website (Charles Schwab, Victory Capital, or many others) and see if they have information available that don't require you to first invest through them. These will show the various risk levels and recommendations for investments for persons of various ages. There are even investments geared specifically to your age that require no other input from you.

My personal recommendation: Invest ONLY in mutual funds. Seek "indexed" mutual funds, an S&P 500 indexed fund being the best in my opinion. Look for no-load mutual funds. Keep some fraction of your money liquid -- maybe 1 year's expenses in a money market fund. You might want to balance your investments between stocks and bonds (i.e., mutual funds that invest in those) so as to land on your feet. And if you are facing a sudden large expense, move some assets to liquid investments beforehand so that a sudden drop in the stock market doesn't blindside you.

Altogether too many "investment counselors" are NOT fiduciaries -- they can use your money for their benefit by buying and selling frequently, gaining commissions every time they do.

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BF_2 t1_j63iycl wrote

Back in the '80's I bought a house at the Shore, fairly near work. I actually commuted by bicycle a few times, but that was borderline. Then I lost that job and expected to have to move, but got a job near Rt. 1, West Windsor. Well, it's a good thing I've always had a car, because there was no bus from the shore to Trenton or anywhere nearby! I looked into a commuter van, but got nowhere. So for 20 years I drove the route. Couldn't even carpool. It truly sucked, but I needed the job and couldn't afford to buy a house near work -- taxes alone were too high, much less housing prices. I still don't comprehend how NJ lacks cross-state transit. Even Rt. I-195 was a fairly late development, with Rt. 33 being the only alternative before that went in, and that passed through a couple towns on the way, really slowing down the travel.

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BF_2 t1_j1wkd3d wrote

Well if skate parks are of any use to you, there's one in Neptune and another in Manasquan. Probably others as well.

The Marshalls & HomeGoods stores in Seaview Square (Rt. 66), Ocean Twp have ramps. And directly behind those there's a sloped driveway (no walkway that I can see) that drops at least 10 feet across 200-300 ft horizontal.

Shark River Hills has lots of sloping roads, especially S. Riverside Dr. Folks walk their dogs there, FWIW.

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BF_2 t1_j1lts0u wrote

I'm going to remain neutral on whether police should get salaries (including OT) this high, but I would like to point out that a primary reason that they do get salaries this high is because they are unionized. Think about it.

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BF_2 t1_j1drtv8 wrote

Libraries. Maybe Meetup.com , but I doubt that.

I tried this a decade or so ago and had no luck. I found one out in Hamilton or such, but it was run like a HS English class so I never went back.

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BF_2 t1_j01ylci wrote

Christmas isn't really my holiday -- I do gift exchange, but little else, and as little as that as possible.

But the past couple years I've made my own wreath for the front door. Simple to do. A nice little craft with a result I display. (Saves me $25+ too!) I taught a friend how to do this this year.

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BF_2 t1_iycv06t wrote

They should revise the design for use at the shore: Give it a real hull and anchor it to the site with at least 3 chains to let it float atop the hurricane storm surge.

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BF_2 t1_iy6r9lj wrote

Yeah, same here. I DO believe that serious underspeeding should result in a ticket -- UNLESS there's damned good reason AND that car is in the right lane.

Good reasons are things like: Your hood just popped open and wrapped over your windshield. Your engine just quit and you have almost no power at all. That sort of reasons.

PSA -- when forced to go slow on a freeway, turn on your emergency flashers. That might save your ass -- or that of your car.

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BF_2 t1_iy3ttwh wrote

I would too, if I believed it. In my experience it's just as likely OP really means, "I am sick of them clogging the left lane doing 65 in a 65 MPH zone when I want to do 85." And I don t even mind so much that they drive that fast -- if they dont weave.

I try to drive the speed limit and not much faster (if at all), and I do so as far right as feasible. Unfortunately, due to the idiotic way folks tailgate on the on-ramps (and elsewhere), it can be impossible to drive in the rightmost lane due to the impossibility of doing a zipper merge. Hence, I often find myself forced in the lane just left of the right lane. If that's the only left lane, I stay there as short a time as possible. But then I run into the next phenomenon: The asshat who entered the highway at 35 MPH now accelerates to 65 and sits to my right, preventing me from moving back right without either accelerating or slowing A LOT!

Learn to drive, NJ! In particular, leave 2-3 seconds space between cars, everywhere, every time.

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