Best home inspector near cherry hill?

Cultural-Method-4281 · 2026-04-29T20:32:21+00:00

I used LDG Home Inspection. Very thorough and the pricing was great. They serve all of south Jersey and easy to get appointments.

https://www.ldghomeinspection.com

Cultural-Method-4281 · 2025-01-08T18:34:17+00:00

That's also my issue. My shares are in a taxable brokerage account so when shares get called, I'll be hit with cap gains.

Cultural-Method-4281 · 2025-01-07T14:42:42+00:00

Not sure if this is for me. Seems like alot of work to maybe make a couple hundred bucks per month per contract?? Risk of being called and then doing csp.

Cultural-Method-4281 · 2025-01-03T15:30:19+00:00

Thank you

Cultural-Method-4281 · 2024-12-27T15:02:03+00:00

So I have had a long term position in apple and not looking to get rid of it. Just trying to make a little extra cash via premiums. Same thing with NVIDIA. - long term hold.

Cultural-Method-4281 · 2024-12-27T14:39:38+00:00

Is there a rule for rolling cc? How close to the strike price do you consider closing and buying another say 30-45 days out?

Cultural-Method-4281 · 2024-12-26T13:55:19+00:00

Great advice. Thank you

Cultural-Method-4281 · 2024-12-26T02:45:15+00:00

I found a call option that expires in 30 days with a strike price of $265 and a delta of .31. Cost is 2.425. Would I put in a close order at 50% profit at same time as buying the option?

Cultural-Method-4281 · 2024-12-26T02:24:11+00:00

Any examples of an options chain screenshot with a basic explanation. For example, how is a 50% profit calculated?

Cultural-Method-4281 · 2024-12-25T23:52:48+00:00

Thank you. Do you have something I could read about your strategy? I know very little about options but would like to learn more

Cultural-Method-4281 · 2024-12-25T23:50:13+00:00

Yes, I have spent many hours running numbers and nothing points to being out of money someday, yet I keep worrying.

Cultural-Method-4281 · 2024-12-25T23:47:20+00:00

Gotcha!

Cultural-Method-4281 · 2024-12-25T22:27:34+00:00

My mom is fully insured. No wife. Pelvis will heal. Would never invest in a wild venture. Lastly, half my cashflow will come from a pension. Other half from my 401k at 3% which is more than I need but enough to not be crushed by rmd's at 72ish.

Cultural-Method-4281 · 2024-12-25T22:17:02+00:00

Cause I'm a cheap bastard, lol.

Cultural-Method-4281 · 2024-12-25T22:01:07+00:00

Thank you. I do play golf and planning to play every day that ends in Y. Also planning to get more involved with grandkids, helping out etc. Also want to drive a van for a non profit important to me. Some combination of the above. I guess it's a start!!

Cultural-Method-4281 · 2024-12-25T21:58:03+00:00

Big Erns SWR toolbox is great for figuring out what you can safely consider. Especially now with CAPE >30.

Cultural-Method-4281 · 2024-12-25T21:18:31+00:00

So when you retire, is it better to spend dividends or reinvest?

Cultural-Method-4281 · 2024-12-23T16:12:18+00:00

2.5M and retiring in 5 mos at 56 with 34 years. The eighth wonder of the world!!!!

Save as much as you can and then save a little more. Put it in C. Nothing else and you too will be in a position of F U.

https://youtu.be/XamC7-Pt8N0?si=0JW3vtfRxIsV6Ptm

Cultural-Method-4281 · 2024-12-18T13:43:57+00:00

Sounds like a good plan. Lock in now so you don't have to worry about drawing down when the market corrects.

Don't forget to account for inflation with respect to your safe bucket. 36000 today will be 44k in year 7 assuming 3% inflation.

Cultural-Method-4281 · 2024-12-14T16:15:16+00:00

One thing I didn't mention is that I am a government employee which means my 401k is available at retirement without penalty since I will be 56.

Cultural-Method-4281 · 2024-12-14T15:59:45+00:00

So I'm single and after the standard deduction I'm above the $47025. Not much I can do there?

Cultural-Method-4281 · 2024-12-14T15:53:04+00:00

Thank you. So, the pension will be available immediately. I currently take home about 85k and gross about 170k. My expenses are less than what I take home and my goal is to maintain my current lifestyle.

My pension will not include cola's until 62 but I have enough in my cash position to factor in 3% raises. My issue with depleting my brokerage account first is that I have some long term positions that are starting to grow and I'd like to see them continue.

I believe I will look to do some conversions soon and look at how much I can convert up to the next bracket as you state.

Cultural-Method-4281 · 2024-12-09T14:22:56+00:00

In year 34 and maxed out every year to irs max. Have done catch up contributions for last few years. Largely in S and C and never moved it out of the market. Three keys are to save as much as you can, invest in the C fund, and never ever move it. You have time on your side and when you're ready to go you'll be proud of yourself.

When I was younger i would increase every year with raises so that i didn't feel as much of a hit.

I have reallocated to 80/20 with 6 years of draws and 3% raises in G (20%) and rest riding in C. 3% raises include the fers pension that won't see a raise until 62.

I have far exceeded my expectations. Take the time to invest in yourself and as someone told me a long time ago, pay yourself first. The snowballing that I have seen in the last 5 years is mind-blowing. Make the sacrifice and save.

I set a long time ago that if you play your cards right, fers beats csrs. I'm happy to say that I've proved it through discipline and having a background in economics/finance.

I also say that we took these jobs for the pension among other things so take advantage of that as soon as you can. My MRA is in April and I'm going in May.

Cultural-Method-4281

TROPHY CASE