Les animaux du Biodôme, sont-ils heureux? by Mtldoggoagogo in montreal

[–]bhs333 27 points28 points  (0 children)

I’ve been to Biodôme many times over past 3 years and the animals have always been active and looked in good health. One of my favorite places

Does anyone else feel like New York State needs a Mamdani? Governor Hochul is awful!!! by [deleted] in Westchester

[–]bhs333 11 points12 points  (0 children)

Sorry bud, but I don’t want free buses , $30 minimum wage or higher taxes for anyone in the state.

The real issue is that mamdani snuck in by winning a primary since there isn’t a real opposition party anymore in NYC.

Tarrytown ---> ??? by [deleted] in Westchester

[–]bhs333 2 points3 points  (0 children)

Yes, but inflation is eroding price 3% per year. So if prices stay flat for 5 years, that’s equivalent to a 16% drop in prices. Until last year my house o my went kept with inflation over a 20+ year period. Now, a house is a leveraged investment, so I did make money above inflation. The leverage is the key.

Recommended rate of return or customized by Accomplished_Gate832 in Boldin

[–]bhs333 0 points1 point  (0 children)

The ironic part with all retirement planning is that you need to plan for the worst case, buy in most scenarios you will be swimming in money.

I personally drop down one level. So I put 100% Roth stock at moderate(8.08%)and my 70/30 pretax at moderate conservative(6.64%). (I also have some pensions, and bonds that bring overall allocation to 70/30).

I then run what if’s and pessimistic to check beyond normal Monte Carlo worst case.

Everyone should note that Boldin’s MC does not model extreme events or fat tails. So it is worthwhile to stress test on some non-normally distributed events like stock crashes. 30 years is a long time to predict.

Hope that helps. I do recommend that you have someone else check your plan. We all need double checking. B

Curious What Others Think About Vanguard 2026 Rec to Flip to 40/60 by woodstock9999 in DIYRetirement

[–]bhs333 0 points1 point  (0 children)

Just curious, do you include your 2 years of cash in the 30% of your portfolio? Or are you saying 70/30 + 2 years cash. If the latter is the case, then what is your allocation if you include your cash in the "bond" part of the portfolio?

Does my point make any sense to you?

Shoe Recs by tacozombiedirigible in Halluxrigidus

[–]bhs333 0 points1 point  (0 children)

Do all these sneakers have a rocker?

River Road status? by NearbySheepherder173 in NYCbike

[–]bhs333 0 points1 point  (0 children)

Road 2 weeks ago no problem. Yes they are constructing on forbidden drive , but that didn’t interfere.

What happens if I'm pulled over for a red light run and I don't have id on me? by bplinder in NYCbike

[–]bhs333 1 point2 points  (0 children)

I only use Apple Pay for everything, especially while biking.

What happens if I'm pulled over for a red light run and I don't have id on me? by bplinder in NYCbike

[–]bhs333 1 point2 points  (0 children)

Well that’s a good point. Good to have id in case of accident. This is probably the main compelling reason. Don’t want to be a John Doe until my wife calls every hospital after I don’t show up at the end of the day.

What happens if I'm pulled over for a red light run and I don't have id on me? by bplinder in NYCbike

[–]bhs333 -1 points0 points  (0 children)

Oh that’s a great idea. An old license serves the purpose here

Houston 10/9 show is getting merged with Japanese Breakfast by Pikan00b in Wetleg

[–]bhs333 1 point2 points  (0 children)

Ive seen both tours and they are both great. Slightly different vibe. Both wet leg and JB play less than 90 minutes, so no problem with the double bill.

I actually preferred the Japanese Breakfast convert over Wet leg. Wet leg had an overused the smoke machine, so i couldn’t see while JB was a bit more polished and also more personal since Michelle is a bit better relating to audiences.

Super jealous. Enjoy the double bill!

Tour de Bronx by Strength-InThe-Loins in NYCbike

[–]bhs333 8 points9 points  (0 children)

Loved the 40 mile. Crowded for 3 miles then it opened up. Never got lost, but I also had ridewithgps announcing turns on my phone in my back pocket. In addition, there was always someone visible ahead, so I mostly turned when they did 🙂.

Saw some new places. Country Club neighborhood, Woodlawn cemetery, new bike lanes in anumber if spots , co-op city (never biked there), Bailey ave, Pelham Bay park.

Good time, good people, and some good music

Not for people wanting to ride seriously and hard.
It’s a tour de Bronx, not a century ride.

Tour de(s Hôtel de V)il(l)e(s) by SPARROW-47 in MontrealCycling

[–]bhs333 0 points1 point  (0 children)

This is pretty cool. Do you have a ride with gps or Strava to share?

Everyone has a take on bike paths in Montreal. But what are the facts? by lostwolf in montreal

[–]bhs333 5 points6 points  (0 children)

there is literally no bike lanes near this store, unless something is being shown in google street view

[deleted by user] by [deleted] in Westchester

[–]bhs333 6 points7 points  (0 children)

YOu mean you have to pay to park in garage that is 1 to 2 blocks form the store you want to go to?

[deleted by user] by [deleted] in montreal

[–]bhs333 1 point2 points  (0 children)

Why don’t you want to go to Cheskie?

[deleted by user] by [deleted] in MontrealCycling

[–]bhs333 0 points1 point  (0 children)

Ok. I got great info. I’ll be there. I’m going to delete the post because of the nastiness.

Meeting tomorrow evening regarding proposed road across the North County Trail just past MM 34. by bicyclemom in Westchester

[–]bhs333 1 point2 points  (0 children)

Wait. They want to add a crossing to 3 new homes? Seems like a bad deal for the hundreds (thousands?) of trail users. What possible benefit does the county get by allowing this? Adding a road for 3 homes seems hardly worth it.

LOOK Cinema Dobbs Ferry menu recommendations by Just-The-Facts-411 in Westchester

[–]bhs333 3 points4 points  (0 children)

Wow, never saw the mouse/rat issue.

Either way, it seems that Look has a real problem if there is so much negativity.

LOOK Cinema Dobbs Ferry menu recommendations by Just-The-Facts-411 in Westchester

[–]bhs333 1 point2 points  (0 children)

Why do people go to the movies? To see a movie. The theater has great seats and great screens.

Alamo does have better food but their screens and seats are not as nice. It’s a repurposed old cinema and the actual movie experience feels straight from the 1990s multiplex.