I'm in my mid-40s. Should I buy my first $100k worth of VOO or dividend stocks? And if I'm buying dividend stocks, how much of what? GOOD? GLAD? Something else? And if so, what? Assume I'm on disability, so no Roth IRAs or 401ks for me.

Question is in the subject, thanks.

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u/chris-rox — 11 days ago
▲ 2 r/BackgroundProof+1 crossposts

I was fired from Sears in my 20s or 30s. Will they see this if I include it on my resume considering Sears is basically out of business? Is there an HR department somewhere that still has my records?

Question is in the subject, thanks.

Oh, and I was fired from a pet store location when I was like 16 or 17 from a company that's still in business, and still operates at that location, and I assume the corporate office is still there too. Same question

Should I include either of these on my resume, considering I'm in my mid-40s now?

Oh and I quit a job I was terrible at after 6 months from a really great company. I applied for more jobs, and got an interview, and once the HR lady called me back, she said I didn't qualify for the job. When I asked why, she specifically mentioned that job. Considering this job was like in 2006, am I safe to include it now? Or do they still kept records of me?

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u/chris-rox — 2 months ago

How do I get a therapist, case manager, and/or social worker? I need to get signed up for Section 8.

Question is in the title, and I only get less than $800 a month from SSDI. And yes, that *is* SSDI, and not SSI.

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u/chris-rox — 3 months ago

Where's the cheapest place to rent in Torrance that has utilities included? Do they ever have wifi included?

Question is in the subject, thanks.

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u/chris-rox — 4 months ago

Where's the cheapest place to rent in Redondo Beach, and are the apartments nice enough?

Question is the subject, thanks. Right now I'm just spitballing ideas to see what rates would be like if I struck out for myself.

I don't care what the place looks like or sq footage, just that it has enough room for a twin bed, and that it could take a storage locker's quantity's worth of stuff.

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u/chris-rox — 4 months ago

I'm 50. Is VT a good stock to hold to and through retirement, or should I buy BND? I need to get started now.

Question is in the subject, thanks.

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u/chris-rox — 4 months ago

What should a 50-year old start buying to live off of assuming he has enough growth stocks, and has an extra $9k to get started investing? Monthly players preferred, see below.

Since lump sump investing beats dribbling the money in installments, and I have no fear of being the world worst market timer, monthly payers are preferred. Advice to dribble the money in installments will be summarily ignored. They have to be real companies, and the money should beat inflation. Maybe bonds? I have no clue, which is why I'm asking. Boglehead-type index funds recommendations are always appreciated.

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u/chris-rox — 4 months ago

Tech shopping: What site do you you use for finding new, high-quality gear? Been burned by Amazon crap too many times.

Please help find me a portable, region-free cd/dvd player, with a screen that is high-quality, and won't break five seconds after I get it out of the box. Price is no object. Been burned by Amazon crap way too many times. Thanks in advance!

Price is no object, I'm looking for something good from, any site, but preferably Amazon, Newegg, or Best Buy, or even a seller on eBay.

Do any of you have gear you like from anywhere? Any where you go that's known for providing new, QUALITY, gear that won't break five seconds after you get it outta the box?

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u/chris-rox — 4 months ago

What if I want to keep my SSDI benefits coming in forever, but also want to work? School me on TWPs and SGA? Because right now I only make like $780 and changea month on SSDI. And yes, that really -is- SSDI.

Question is in the title, but I have a few hairy questions.

A - How do TWPs actually work?

B - What happens if I want to keep my disability payments forever, but also want to work? Am I just hosed?

C - For every one working, what do you do for a living?

D - I know I can stock trade and have it not count as SGA, but what happens if I sell, let's say, 20K worth of stock in Company A in a Roth IRA, and buy 20K worth of stock in Company B. The stock then DOUBLES in less than a month, putting me way over my limits. Am I just screwed? Do I lose my disability payments? Opportunities like this don't come along often. Maybe once a year, if that. Clearly I'm not some crazy day trader, just a guy trying to buy his way out of being on disability. Thoughts?

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u/chris-rox — 4 months ago

What if I want to keep my SSDI benefits coming in forever, but also want to work? School me on TWPs and SGA? Because right now I only make like $780 and changea month on SSDI. And yes, that really -is- SSDI.

Question is in the title, but I have a few hairy questions.

A - How do TWPs actually work?

B - What happens if I want to keep my disability payments forever, but also want to work? Am I just hosed?

C - For every one working, what do you do for a living?

D - I know I can stock trade and have it not count as SGA, but what happens if I sell, let's say, 20K worth of stock in Company A in a Roth IRA, and buy 20K worth of stock in Company B. The stock then DOUBLES in less than a month, putting me way over my limits. Am I just screwed? Do I lose my disability payments? Opportunities like this don't come along often. Maybe once a year, if that. Clearly I'm not some crazy day trader, just a guy trying to buy his way out of being on disability. Thoughts?

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u/chris-rox — 4 months ago
▲ 1 r/desktops+1 crossposts

If I remove the ROM chip(s) and the hard drive from a desktop PC, there's no more no more personal data left on the desktop PC, right? No logins, no passwords, no banking and credit card info, right? If not, what do I need to remove from the desktop PC, to remove all that data?

I'm trying to sell off or give away some old desktop PCs. So what do I need to remove from the PC itself to "clean" the PC, and remove all the personal data? Logins, passwords, banking and credit card details, it all needs to removed, obviously.

Just spitballing ideas here, because it's not time-sensitive, aside from the RAM chips' value, lol.

I'll be keeping everything I remove. At least, should I? I may plug them in to an dock in the future, or something. Just to gain access to them.

Haven't taken any steps, aside from a quick Google and/or Gemini search, which was not very helpful.

Basically I just need a one or two line answer telling me, "Yes, you're right, remove the ROM(s) and hard drive and you're good, or no, "You actually need to remove..."

Thanks in advance for any advice!

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u/chris-rox — 5 months ago

If I'm relatively young, and want 80% of my portfolio in VOO/VTI, what stops me from having 40% of each? Yeah they overlap, and I know that, but it would help me sleep at night knowing I not missing out. Advice. Also...

... I know I can afford a few hundred shares of each, and I get the diversification.

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u/chris-rox — 5 months ago

Alright guys, if I'm creating a huge unit of 30 Orc Warriors (six wide, five ranks deep) with spears, for WFB sixth edition, should they have shields or not?

Question is in the title, thank you very much for your help. Basically, I just need to know if they should have shields, or just a bare hand. I'm going for a big 2,000 or 2,5000+ point army, though.

Also, and yes, I know two hand weapons are the most optimal loadout for Orcs (right?), but these are already assembled, I just found them while cleaning out an old drawer I have.

I now have a lot of old bank and brokerage account statements that need to be shredded, lol!

Oh, if only I had invested everything I've spent on Warhammer models into GAW.L or GMWKF over the years...

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u/chris-rox — 5 months ago

If I'm on SSDI, can my parents contribute to my Roth IRA for me ?

Question is in the subject, but.... if I'm on SSDI, a) can they contribute for me, or does b) all the money that goes into my Roth IRA have to come from me working, which has to be reported to SSDI?

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u/chris-rox — 5 months ago

If I'm on Haloperidal, Seroquel and Depakote for being schizo-affective and bipolar and live in California, how much should I be getting a month in disability?

Or is that determined only by how many years I worked before applying?

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u/chris-rox — 5 months ago

...and then when I got the paperwork back, I found out he put me in $AICCX.

Should I be concerned?

This is clearly not what I wanted. This has to be illegal or at least unethical, right? It all happened in a taxable brokerage account, so now I'm essentially "stuck" with it for at least a year and and a day!

Thoughts?

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u/chris-rox — 5 months ago