Great job with the painting! We did the same for our parents! Story is so similar in that we moved them into our rental condo. We lose that investment vehicle now however because they live there for free. However, homes are so expensive in the Seattle area that they couldn’t afford to buy.
Thanks to all who pointed out my mistake. (That’s what’s gonna happen since I insist on doing these videos in this manner, kind of live, one take usually, and I refuse to cut and stitch and make my videos look twitchy, which I hate when I watch other people’s videos) I did review the video. I did say “every single year it generates $50k” 😂. But it DID generate around $50k or about 10% per year in the last 3 years. I shouldn’t have said “every single year it generates. It should be “it should AVERAGE in the long term.” And it should average $50k moving forward, as 8% of $650k (what they have now) is about $50k, and growing. So on the average, given a few more years, they should grow by MORE than $50K a year, even at a conservative 8%. Will do follow up video to address the issues :)
@@victorarnolphalinas9632 Thanks! Up next is a video of my apt :) (What you get for $525k. And finally a video on my buddy’s apt at $900k. Going up the scale :)
This is a lovely home, but you should mention the neighborhood to give an accurate picture of what you're actually getting. If this is Flushing, this is really good price. If this is Jamaica, this is far less good, and less attractive.
@@nybiggs yeah I’m deliberately leaving out specific neighborhoods. It’s very easy to just look on Redfin or realtor etc and all the areas within your price range will pop up :)
As Asian myself, I know how you had to go thru the chores I should say. but we feel obligated as a child of elder parents to at least assume our obligations as long as we can to make our parents proud & not depend on any outsiders not connected to our family. your hard work & frugal lifestyle to not let yourself & family go into bad debt. then continues to your children hopefully they do the same. Good Luck!🍺
@@familylifetoo9541 and not a moment too soon too . My FIL has a lot of trouble walking stairs today. We just had a wheel chair ramp installed. He could’ve fallen down the stairs like so many other seniors
If they sold their home 13 years ago. They would not have gotten $500k in gains, also investment are not guaranteed. Hindsight is 20/20. $500 k is not bad for retirement,
@@nik1800 yes, as mentioned they wouldn’t have gotten $500k, but maybe $400k. And growing at 15% per year, would be well over $2M today. Yes it’s all hindsight. We were just frustrated at their lack of action for 10 years, while they struggled with money. Could’ve eased their worries 10 years earlier. Could’ve had them enjoy their lives more fully for an additional 10 years. Now my FIL finds it hard to keep up while on vacations. But yeah we’re very happy now that they have their $500k (over 600k now )
@@fdm2155 not optimistic. This is what happened. In the past. What’s forward is anybody’s guess but I’ll settle for 8% long term. Will do video to address all these concerns stemming from this video;)
@@fdm2155 Ah yes I did review the video. I did say “every single year it generates $50k” 😂 You’re right in one sense. I shouldn’t have said every single it generates. It should be “it should AVERAGE in the long term.” And it should average $50k moving forward, as 8% of $650k is about $50k, and growing. So on the average, in a few more years, they should grow by MORE than $50K a year.
Thanks! Unfortunately I don’t remember the details lol. Kinda like how I screwed up the sf on this . I said 925, but my wife just corrected me at 850. But close enough lol. What you see on the video is what you get :)
Thanks for sharing, @Johnny NYC, These coops are great for aging in. Aside from the benefits you mentioned of not needing to worry about maintenance, seniors can lead active lifestyles without needing to drive, there are parks and groceries within walking distance. NYC has a number of social programs for them, too. My grandmother made it to 95 in a rent-controlled apt in the BK,, Her longevity was due in large part to her having lived in NYC. Suburbs can be lonely. A suggestion for a future video, since financial education is a theme of your videos, would be to talk about portfolio diversification. Yes, the SP500 has returned 10%/year historically on *average*. But, as people age, they can't tolerate the years the index could be down because they are in the withdrawal phase of their portfolio. As an idea, your video could address your take on this. Keep up the great work!
@@Jmpaz2010 thanks! Yeah it’s def on my to do list lol. But I’ve been doing these other videos first bc I’m not at the point where in need to diversify that much. It’s basically whatever pops to mind unless somebody asks a question or makes a suggestion, as you just did. So now I will move it up :) I’m also aware that most of my videos cover my life right now, and many people want videos of when we started out. That’s also been on my mind! We’re all at different points of the journey toward freedom. I’m trying to cover it all the best I can :) Thanks for dropping by!
@@Jmpaz2010 yes these coops are great for seniors. The complex my mom and my in-laws are in has senior programs all the time!! Anything from painting to road trips to exercise classes! My smaller building doesn’t have them. But, we do plenty by ourselves at this point :)
Wise choice, Lt. Shed the liability/baggage. Hindsight is always 20/20. 10% roi assumes the s&p index continues on the upward trend not if the nyse crashes. Seems awfully risky to toss all your eggs in one basket. Perhaps wiser to diversify investment portfolio especially during retirement and current economic uncertainties. Markets may take years to recover if we get another repeat of 2008.😮
@@hz240 thanks. I’ll have do a video on portfolio content. That’s why personal finance is so personal. My in-laws have SS of course at near 80 lol. Plus a small pension. That all pays for basic living so they can afford to toss everything at SP. and they always have us as backup ;)
@@RetireearlyNYC and not everyone has multiple safety nets to fall back on, so i would caution providing the “all in” investment advice especially when they decide to pull the rug underneath. Lol
@@hz240 This is strictly what we do. Not advise to others :) However, the advise on selling a big house and investing the difference is applicable to others :)
@@sophiyabanu4720 It’s already on my list :) However I must warn you that it is very difficult for the average person to make money in REI. Check out my other videos on rental properties. That was the start. And I will do a more detailed video on the topic. Probably a whole series.
@@twalsh1801 thanks yeah their income wasn’t enough to qualify. And they didn’t have the cash reserves either. So we had to temporarily gift them the money until they sold their house and then paid us back :)
@@jayp9316 could be ;) Honestly, these coops all pretty much look the same, from Whitestone to bayside, to flushing, to floral park, etc. So if you’re looking, there’s a wide variety of areas to look at, with very similar prices. They’re a great deal ;)
@@jonc718 crazy cheap or crazy expensive? Haha. This is literally the cheapest thing you can own in NYC lol What kind of place do yiu live in? How do the bills compare? BTW, as I understand, HOA is usually a condo or townhome situation. You pay taxes, insurance, utilities etc on the side? The $1000 maintenance on this coop pays for EVERYTHING. No other bills on the side. How does that compare to what you’re looking at?
@@RetireearlyNYC yea with condos, some stuff are outside of HOA fees, but still it won't add up to $1k, also, with condo you technically own the unit so they can't evict you... as for coop, if you want to renovate I heard some coops require you to hire their "approved" contractor which usually the family/friend of the coop board members. Also, $1k for coop fees is not bad, in Queens/BK in the areas I last looked, the average is $1.2k +
@@PinchAPennyWithJenny hey Jenny! My wife just corrected me on the sf as 850 not 925 lol. Thanks for reminding me. That’s what happens when I go off the top of my head on most of these videos lol. Regardless, there are plenty of places in this size and price range. My area for example has 2 beds 2 baths at 1200 sf, for around $400k.
@@RetireearlyNYC Ahh EASTERN Queens. :) I'm also in Queens, but much closer to Midtown. I'd love to buy my parents a co-op for them to retire in too! But they're so stubborn, don't want to go anywhere haha.
@@PinchAPennyWithJenny well, as long as they enjoy their house and can afford it, and it isn’t a physical hazard. Let them enjoy it. That’s what money is for:)
@@saphaltouch5290 not savings. SP500 index. Even after the steep drop the last week, it’s up 21% over the past year, 35% past 2 years, 81% past 5, 172% past 10 years, etc. So it’s actually well above 10% per year. I was just giving a conservative estimate of their average growth.
@@jonc718 paid off the heloc right away of course;) Right after their sale. We paid interest for a couple months. No big deal . That’s one of the few times we would use a heloc :)
@@teriscott685 Thanks. Yeah the point is just to downsize into something comfortable to age into, and free up money for actual living rather than to dump into your home;)
I am not only one who feel discussed about your greed. Why don’t you sell your own house and living a condo? Your post your in-laws personal life to make money. Everything is about money for you. unfortunately quite a lot of Chinese are like you.
@@sophiyabanu4720 It’s just a rough estimate of what their investment has grown by each year, over the last 3 years since they sold their house. That includes some divs too. (If you check the SP500 it’s actually done more) They haven’t tapped into it yet bc they’re still using $ from their previous account, most of which was in a CD. But we’ve told them they can afford to take out 4% of their investments to use however they like. Thats about $20,000 per year right now, about $15,000 more than they used to spend on their 2 trips to China/TW per year. But yeah, their $500k from the house has grown by about 10% per year or $50k per year. Rough estimate.
@@WwoJakkk It basically only exists in NYC lol. It’s a condo but with more rules basically. And it’s way cheaper. And they’re typically older buildings. No new coops have been added for many decades.
@@whartonitec1041 lmao. What criticism don you have. All you stated in the other thread was how offended you were. Without any reason. And what profit am I making off of my in-laws. You are a moron good bye
Perfect example of how boomers had it so easy compared to current generations. A millennial would have to save well over $50K (I had to have like triple that saved to buy my coop) to buy a home, yet they were only able to save $50K for their entire careers until they were seniors, yet were still able to buy a home? A millennial saving at the same rate as they did would never have been a homeowner and would never have gotten that $500K in tax free money.
@@MattSezer lol. Perhaps boomers did have it easier. And perhaps my in-laws too. OTOH, They had to spend the majority of their income on their home. They had multiple jobs just to make $70k a year combined. They ate hotdogs and a head of lettuce for dinner. They walked everywhere. They had no furniture for years. They ate out maybe once in a blue moon. McD once a month was a treat. They never ordered for delivery. I’m pretty sure most millennials would never do what my in-laws had to do ;)
@@RetireearlyNYC Funny incident happened in Nassau County where a Queens resident was fighting in a gym. Guess what?? He was arrested and prosecuted to the fullest extent of the law. Won't happen in Queens or any of the boroughs. Law enforcement is weak in Queens and hence the city is dangerous now.
My house in Queens sits on the border of Mexico. And Haiti. And its 1.1 mill. Im paying taxes for a fourth world living scenerio. America has collapsed. And the taxes are theft.
Great job with the painting! We did the same for our parents! Story is so similar in that we moved them into our rental condo. We lose that investment vehicle now however because they live there for free. However, homes are so expensive in the Seattle area that they couldn’t afford to buy.
@@angelasoWA thanks!
Thanks to all who pointed out my mistake. (That’s what’s gonna happen since I insist on doing these videos in this manner, kind of live, one take usually, and I refuse to cut and stitch and make my videos look twitchy, which I hate when I watch other people’s videos)
I did review the video. I did say “every single year it generates $50k” 😂. But it DID generate around $50k or about 10% per year in the last 3 years.
I shouldn’t have said “every single year it generates. It should be “it should AVERAGE in the long term.” And it should average $50k moving forward, as 8% of $650k (what they have now) is about $50k, and growing. So on the average, given a few more years, they should grow by MORE than $50K a year, even at a conservative 8%.
Will do follow up video to address the issues :)
I agree completely with your thoughts on homeownership. Enjoy your videos.
@@tombkk1322 thanks for watching :)
I've been following your videos regularly now. Thank you for sharing.
@@victorarnolphalinas9632
Thanks! Up next is a video of my apt :)
(What you get for $525k. And finally a video on my buddy’s apt at $900k. Going up the scale :)
This is a lovely home, but you should mention the neighborhood to give an accurate picture of what you're actually getting. If this is Flushing, this is really good price. If this is Jamaica, this is far less good, and less attractive.
@@nybiggs yeah I’m deliberately leaving out specific neighborhoods. It’s very easy to just look on Redfin or realtor etc and all the areas within your price range will pop up :)
As Asian myself, I know how you had to go thru the chores I should say. but we feel obligated as a child of elder parents to at least assume our obligations as long as we can to make our parents proud & not depend on any outsiders not connected to our family. your hard work & frugal lifestyle to not let yourself & family go into bad debt. then continues to your children hopefully they do the same. Good Luck!🍺
@@masonloh1411 thanks!
Im glad you feel much better for them that they are not going up the stairs etc🎉
@@familylifetoo9541 and not a moment too soon too . My FIL has a lot of trouble walking stairs today. We just had a wheel chair ramp installed. He could’ve fallen down the stairs like so many other seniors
If they sold their home 13 years ago. They would not have gotten $500k in gains, also investment are not guaranteed. Hindsight is 20/20. $500 k is not bad for retirement,
@@nik1800 yes, as mentioned they wouldn’t have gotten $500k, but maybe $400k. And growing at 15% per year, would be well over $2M today. Yes it’s all hindsight. We were just frustrated at their lack of action for 10 years, while they struggled with money. Could’ve eased their worries 10 years earlier. Could’ve had them enjoy their lives more fully for an additional 10 years. Now my FIL finds it hard to keep up while on vacations. But yeah we’re very happy now that they have their $500k (over 600k now )
Yeah, his super optimistic rate is unrealistic. The apartment is nice though. Glad for his in laws.
@@fdm2155 not optimistic. This is what happened. In the past. What’s forward is anybody’s guess but I’ll settle for 8% long term. Will do video to address all these concerns stemming from this video;)
@@fdm2155
Ah yes I did review the video. I did say “every single year it generates $50k” 😂
You’re right in one sense. I shouldn’t have said every single it generates. It should be “it should AVERAGE in the long term.” And it should average $50k moving forward, as 8% of $650k is about $50k, and growing. So on the average, in a few more years, they should grow by MORE than $50K a year.
Im glad you were handy at doing the repairs, thats great
@@familylifetoo9541 thanks we learned as we went lol
Nice place! Did they invest the proceeds of sale in the stock market? What about taxes on the sale?
@@Myraisins1 I’ll explain in next video. There has been a lot of questions on this one video lol. Keep it up :)
Love this candid style of video. How much for closing costs on this $325k co-op?
Thanks!
Unfortunately I don’t remember the details lol. Kinda like how I screwed up the sf on this . I said 925, but my wife just corrected me at 850. But close enough lol. What you see on the video is what you get :)
Thanks for sharing, @Johnny NYC, These coops are great for aging in. Aside from the benefits you mentioned of not needing to worry about maintenance, seniors can lead active lifestyles without needing to drive, there are parks and groceries within walking distance. NYC has a number of social programs for them, too. My grandmother made it to 95 in a rent-controlled apt in the BK,, Her longevity was due in large part to her having lived in NYC. Suburbs can be lonely.
A suggestion for a future video, since financial education is a theme of your videos, would be to talk about portfolio diversification. Yes, the SP500 has returned 10%/year historically on *average*. But, as people age, they can't tolerate the years the index could be down because they are in the withdrawal phase of their portfolio. As an idea, your video could address your take on this.
Keep up the great work!
@@Jmpaz2010 thanks!
Yeah it’s def on my to do list lol. But I’ve been doing these other videos first bc I’m not at the point where in need to diversify that much. It’s basically whatever pops to mind unless somebody asks a question or makes a suggestion, as you just did. So now I will move it up :)
I’m also aware that most of my videos cover my life right now, and many people want videos of when we started out. That’s also been on my mind! We’re all at different points of the journey toward freedom. I’m trying to cover it all the best I can :)
Thanks for dropping by!
@@Jmpaz2010 yes these coops are great for seniors. The complex my mom and my in-laws are in has senior programs all the time!! Anything from painting to road trips to exercise classes!
My smaller building doesn’t have them. But, we do plenty by ourselves at this point :)
Wise choice, Lt. Shed the liability/baggage.
Hindsight is always 20/20. 10% roi assumes the s&p index continues on the upward trend not if the nyse crashes. Seems awfully risky to toss all your eggs in one basket. Perhaps wiser to diversify investment portfolio especially during retirement and current economic uncertainties. Markets may take years to recover if we get another repeat of 2008.😮
@@hz240 thanks. I’ll have do a video on portfolio content. That’s why personal finance is so personal. My in-laws have SS of course at near 80 lol. Plus a small pension. That all pays for basic living so they can afford to toss everything at SP. and they always have us as backup ;)
@@RetireearlyNYC and not everyone has multiple safety nets to fall back on, so i would caution providing the “all in” investment advice especially when they decide to pull the rug underneath. Lol
@@hz240
This is strictly what we do. Not advise to others :)
However, the advise on selling a big house and investing the difference is applicable to others :)
Good morning ! And welcome back
@@byron9630 thanks!
Like your honesty.
@@gem3132 thanks :)
It’s easy to be honest when there’s nothing to sell ;)
Can you please do a video on the process of buying rental properties in NYC?
@@sophiyabanu4720
It’s already on my list :)
However I must warn you that it is very difficult for the average person to make money in REI. Check out my other videos on rental properties. That was the start. And I will do a more detailed video on the topic. Probably a whole series.
thats great that you offered bridge financing to parents
@@twalsh1801 thanks yeah their income wasn’t enough to qualify. And they didn’t have the cash reserves either. So we had to temporarily gift them the money until they sold their house and then paid us back :)
It's looks like Clearview gardens in Whitestone Queens.
@@jayp9316 could be ;)
Honestly, these coops all pretty much look the same, from Whitestone to bayside, to flushing, to floral park, etc. So if you’re looking, there’s a wide variety of areas to look at, with very similar prices. They’re a great deal ;)
@@RetireearlyNYCthey do all look the same. I live in one in bay terrace. Checked out some in Oakland gardens. All have the same design.
What’s the monthly HOA fees for this coop unit?
@@vincentnnyc about $1000. Did I say $1200 in the video? My wife just said $1000
@@RetireearlyNYC $1k for HOA is crazy, this is why I don't ever want to be in a coop.
@@jonc718 crazy cheap or crazy expensive? Haha. This is literally the cheapest thing you can own in NYC lol
What kind of place do yiu live in? How do the bills compare?
BTW, as I understand, HOA is usually a condo or townhome situation. You pay taxes, insurance, utilities etc on the side?
The $1000 maintenance on this coop pays for EVERYTHING. No other bills on the side. How does that compare to what you’re looking at?
@@jonc718 also we don’t call it HOA here. And as you can see, it’s a totally different thing ;)
@@RetireearlyNYC yea with condos, some stuff are outside of HOA fees, but still it won't add up to $1k, also, with condo you technically own the unit so they can't evict you... as for coop, if you want to renovate I heard some coops require you to hire their "approved" contractor which usually the family/friend of the coop board members. Also, $1k for coop fees is not bad, in Queens/BK in the areas I last looked, the average is $1.2k +
I'd love to know the meighborhod
@@eileenryan4687 it’s basically any part of north east queens. There are coops like this all over the place :)
What neighborhood is this apartment in ?
@@RonFromTrinidad Whitestone. But these types of coops are all over the place. At similar prices
@@RetireearlyNYC great. Thank you !
Not bad Johnny I really don’t understand why go out Covid is coming back and the chaos of election. I am still put on a mask
@@annielin2894 yeah me neither. I don’t understand it and I can’t really worry about it. So I just go with it. Worrying does nothing for it anyway ;)
@@annielin2894 be safe Annie!
NYC and no central AC or split AC only a window. That’s a joke!
@@whartonitec1041 hey some of us aren’t as rich as you, you know :)
generational wealth is the way to go with us 90%ers working class/middle class folks
waiting for an inheritance?
How You Getting 10% On Your Money?
@@RSW725 mainly SP500 index. On average it has been growing at much more than 10% over the last nearly 20 years. My in-laws caught the last 3 years.
Which part of Queens is this? How is it so large for only $325K.
@@PinchAPennyWithJenny hey Jenny! Eastern Queens is full of these. :)
@@PinchAPennyWithJenny hey Jenny!
My wife just corrected me on the sf as 850 not 925 lol. Thanks for reminding me. That’s what happens when I go off the top of my head on most of these videos lol.
Regardless, there are plenty of places in this size and price range. My area for example has 2 beds 2 baths at 1200 sf, for around $400k.
@@RetireearlyNYC Ahh EASTERN Queens. :) I'm also in Queens, but much closer to Midtown. I'd love to buy my parents a co-op for them to retire in too! But they're so stubborn, don't want to go anywhere haha.
@@PinchAPennyWithJenny well, as long as they enjoy their house and can afford it, and it isn’t a physical hazard. Let them enjoy it. That’s what money is for:)
So they sold their house for 850k?
@@Ht1976. yep around there
What kind of saving account generates 50k from 500k?
@@saphaltouch5290 not savings. SP500 index. Even after the steep drop the last week, it’s up 21% over the past year, 35% past 2 years, 81% past 5, 172% past 10 years, etc. So it’s actually well above 10% per year. I was just giving a conservative estimate of their average growth.
Now they got 500k from the sale, they help you with your HELOC?
@@jonc718 paid off the heloc right away of course;)
Right after their sale. We paid interest for a couple months. No big deal . That’s one of the few times we would use a heloc :)
Beautiful home 🏡
@@Emilyleestrong thanks! We painted every inch of it and my wife decorated it:)
Interesting,i live in phoenix and we dont have. Co ops but this is interesting
@@teriscott685 Thanks. Yeah the point is just to downsize into something comfortable to age into, and free up money for actual living rather than to dump into your home;)
You mad me sick! The living condition in a window AC co-op/apt is drastically differently than a central AC house with a yard!
@@whartonitec1041 wow I make you sick?? Lmao. So don’t watch anymore. Easy ;)
You often get offended by videos that have nothing to do with you?
I am not only one who feel discussed about your greed. Why don’t you sell your own house and living a condo?
Your post your in-laws personal life to make money. Everything is about money for you. unfortunately quite a lot of Chinese are like you.
great video
@@shez718 thanks :)
Good morning!! How? Please can you explain?
@@sophiyabanu4720 GM
Which part do you want me to explain?
@@RetireearlyNYC How are they earning 10% on the 500k as spending money? Are they selling capital gains or is it dividends?
@@FrenemyPwr2 I'd like to know too. Thank you for sharing.
@@sophiyabanu4720
It’s just a rough estimate of what their investment has grown by each year, over the last 3 years since they sold their house. That includes some divs too. (If you check the SP500 it’s actually done more)
They haven’t tapped into it yet bc they’re still using $ from their previous account, most of which was in a CD.
But we’ve told them they can afford to take out 4% of their investments to use however they like. Thats about $20,000 per year right now, about $15,000 more than they used to spend on their 2 trips to China/TW per year.
But yeah, their $500k from the house has grown by about 10% per year or $50k per year. Rough estimate.
@@RetireearlyNYC thank you for clarification. I am looking for ways to make passive income so hence the questions. Thank you
whats a " co-Op " ? looks like a condo
@@WwoJakkk
It basically only exists in NYC lol. It’s a condo but with more rules basically. And it’s way cheaper. And they’re typically older buildings. No new coops have been added for many decades.
@RetireearlyNYC Co-ops exist here in Long Island, too.
@@vasilljones1283 thanks I forgot about that. I know floral park has them. Are there any further out on the island?
@RetireearlyNYC Yes! Many in Suffolk County, as far as Middle Island, that I know of. I enjoyed watching the vid, btw.
@@vasilljones1283 thanks and thanks for the info:)
Feels like he counts his money 24/7 and does nothing else.😊
@@456435ful haha. No, only once a week, usually Fridays after the market closes. And only on up days;)
@@RetireearlyNYC 💰👨🏻💸 🤣😆
Extremely combative personality.
He posts his in-laws personal life on RUclips To make profit but does not welcome criticisms
@@whartonitec1041 lmao. What criticism don you have. All you stated in the other thread was how offended you were. Without any reason.
And what profit am I making off of my in-laws. You are a moron good bye
Perfect example of how boomers had it so easy compared to current generations. A millennial would have to save well over $50K (I had to have like triple that saved to buy my coop) to buy a home, yet they were only able to save $50K for their entire careers until they were seniors, yet were still able to buy a home? A millennial saving at the same rate as they did would never have been a homeowner and would never have gotten that $500K in tax free money.
@@MattSezer lol. Perhaps boomers did have it easier. And perhaps my in-laws too.
OTOH, They had to spend the majority of their income on their home. They had multiple jobs just to make $70k a year combined. They ate hotdogs and a head of lettuce for dinner. They walked everywhere. They had no furniture for years. They ate out maybe once in a blue moon. McD once a month was a treat.
They never ordered for delivery. I’m pretty sure most millennials would never do what my in-laws had to do ;)
Not bad
@@annielin2894 yeah a lot of people outside of nyc are surprised by how much you can get for a very reasonable amount of money
Queens 😅😅😅.
@@user-or6yn8pm3c yes:) queens
@@RetireearlyNYC Given the state of affairs in New York City. I'd pass on any of the 5 boroughs.
@@user-or6yn8pm3c ok. Noted :)
@@RetireearlyNYC Funny incident happened in Nassau County where a Queens resident was fighting in a gym. Guess what?? He was arrested and prosecuted to the fullest extent of the law. Won't happen in Queens or any of the boroughs. Law enforcement is weak in Queens and hence the city is dangerous now.
My house in Queens sits on the border of Mexico. And Haiti. And its 1.1 mill. Im paying taxes for a fourth world living scenerio. America has collapsed. And the taxes are theft.
@@NoSocialMedia4Me oh boy. I thought Mexico was nice! Lol.
OTOH you’re quite wealthy 😉
SPY,QQQ, SCHD
@@Lisahay-y5m we split it over VOO and VYM for them, to get some divs. But yeah yours are good choices as well :)