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squirm

In your opinion, what would be the 'average' progression for a comfortable retirement at 62 for majority of folks in the US? Here's somewhat of a random guess: Age - Net Worth 20 - $50k 30 - $200k 40 - $500k 50 - $1.0m 60 - $1.5m 65 - $2.0m Most folks have nothing even close to $2M. The biggest net...

squirm

In your opinion, what would be the 'average' progression for a comfortable retirement at 62 for majority of folks in the US? Here's somewhat of a random guess: Age - Net Worth 20 - $50k 30 - $200k 40 - $500k 50 - $1.0m 60 - $1.5m 65 - $2.0m Most folks have nothing even close to $2M. The biggest net...

squirm

Funny how you ask what the npv of a pension is, and you're constantly told all that matters is income, not net worth. Now this thread basically implies the opposite.

squirm

thanks all, i found it, it is accurate. thanks again.

squirm

What were you doing at the time? How do you know it is inaccurate? If you were employed in a public service job that had its own qualifying retirement plan, you could have been exempt from social security taxes but required to pay Medicare taxes. I was working part time at the local government. But...

squirm

To double check, have your SS statements always shown a 0 and you just noticed it? Another way of reading what you wrote is that last year's SS statement showed non-0 and for some reason it changed this year. Two different kinds of problems, but anyway... No W-2 or tax return from 1993 is too bad :...

squirm

I was looking at my social security statement. In 1993 under the column "Your Taxed Social Security Earnings", it says "0" but under "Your Taxed Medicare Earnings" it says "$14,430". So I'm not sure what happened back then, is there anyway to fix that, or what can I do? I think this would impact soc...

squirm

The resale value tells you everything. Just go with that, forget all the noise. Resale value tells you what used car customers tend to think. As shown on this thread lot of people in the US market still *think* Toyota is way ahead of Kia on reliability/durability. But that's pretty questionable. Mi...

squirm

The resale value tells you everything. Just go with that, forget all the noise.

squirm

Pay it off, I know you said your young but when there's no more payments it's much more enjoyable. 30 year mortgages are a total mistake to get. Death grips.

squirm

We have to decide very soon whether to pay the remaining cost for a one-week Mexico cruise in late July. We can bail out now and lose $100 deposit. This trip would not involve flying on an airline. Thoughts? I'm not you, but if were me, I couldn't go. You're stuck on a boat with lots and lots of ot...

squirm

I think you need to reach out to a someone who specializes in mental health, perhaps a psychologist. I doubt anything said here will really help you in the end. Good luck.

squirm

Pay off the car. If you get in a jam where you need emergency money, use the credit cards. Get into a habit of making extra mortgage payments too.

Good for you take your financials serious at a young age.

squirm

We have to decide very soon whether to pay the remaining cost for a one-week Mexico cruise in late July. We can bail out now and lose $100 deposit. This trip would not involve flying on an airline. Thoughts? I'm not you, but if were me, I couldn't go. You're stuck on a boat with lots and lots of ot...

squirm

We have to decide very soon whether to pay the remaining cost for a one-week Mexico cruise in late July. We can bail out now and lose $100 deposit. This trip would not involve flying on an airline. Thoughts? I'm not you, but if were me, I couldn't go. You're stuck on a boat with lots and lots of ot...

squirm

AMD is far superior to Intel these days. If it's a choice between similar price and similar form types I'd take the AMD processor every time. Ryzen 3/5/7/9 is roughly equivalent to Core i3/i5/i7/i9 The difference between AMD is AMD has caught and up surpassed Intel on processor core count, power co...

squirm

AMD will give you more logical cores at all price points. In general I like AMD.

squirm

Nobody here knows you, so take all advice with caution. If I were in your shoes, yes I'd quit. Being stressed out and having a bad job is not good for ones health. I haven't read any replies, but you'll probably get the ol, "no don't quit, save every dime until you die". Be careful with the money, ...

squirm

Just read the title, not the body. Nope, I would want to retire, the sooner the better to be with the family and kids. There are people at my work that have no kids, no family, no spouse and basically no outside interest either, so they just continue coming in everyday getting their soul sucked out...

squirm

Just read the title, not the body. Nope, I would want to retire, the sooner the better to be with the family and kids. There are people at my work that have no kids, no family, no spouse and basically no outside interest either, so they just continue coming in everyday getting their soul sucked out...

squirm

Kinda like that financial commercial where the guy talks about all the things he's done and says "what if I don't want to retire?" and the guy says develop a plan for what's next. If you love working, nothing wrong with that. I loved work until I got the principal from hell and pulled the plug afte...

squirm

Just read the title, not the body. Nope, I would want to retire, the sooner the better to be with the family and kids. There are people at my work that have no kids, no family, no spouse and basically no outside interest either, so they just continue coming in everyday getting their soul sucked out ...

squirm

Nobody here knows you, so take all advice with caution. If I were in your shoes, yes I'd quit. Being stressed out and having a bad job is not good for ones health. I haven't read any replies, but you'll probably get the ol, "no don't quit, save every dime until you die". Be careful with the money, f...

squirm

Just remember to take into account your enjoyment to use it. Who cares if you wait another five years to collect more and then end up with Parkinson's like an uncle I had. He was alive to collect but can't enjoy it. Don't be greedy I guess. Everyone here who post and you're taking advice from is ali...

squirm

No, I'm not gonna report this. Please do report this to the FTC, the federal government takes this more seriously than you might think and these reports help keep others from getting scammed in the same way. You don't even have to talk to anybody, there's an online form you fill out at https://www....

squirm

I have a 3M brand mask from Home Depot labeled N95. Pretty miserable to wear for more than a few minutes. Besides the two bands being so tight they pinch the back of your head, it's like breathing into your cupped hands. You're breathing in the carbon dioxide you exhale. That's probably why you're ...

squirm

I went to the grocery store for the first time since requiring face masks here, and to be honest probably the first time ever in general. I had a surgical mask here in plastic bag from a while ago that I was going to use for cleaning. I noticed after a 30-40 min trip I was quite lightheaded and fou...

squirm

Overall current tech SSDs are flatout better all around. The down size is it costs more than an HDD for the same amount of storage space. On systems that allow it, a good compromise is using an SSD for Windows and frequently used documents, and HDD for larger files that don't need to be modified of...

squirm

SSD's are getting much slower due to 4 bit cell technology, unless they have a large cache or other cache technology so be careful. That's only true for QLC drives, and in real use (i.e., not copying 100GB all the time) it makes no significant difference. And most drives on the market are not QLC, ...

squirm

BlueFin wrote: ↑
Sat Apr 18, 2020 7:51 am
Now that the hoarders have filled all available space in their homes with toilet paper our grocery store had a full supply yesterday of all kinds available.

Store have it here too.

squirm

SSD's are getting much slower due to 4 bit cell technology, unless they have a large cache or other cache technology so be careful.

squirm

Dell Windows xps, also see if you can get the Microsoft home use program. Can't go wrong with that setup.

squirm

I just bought used stuff when I could. Generic formula too. Don't buy many toys, it just ends up in the land fills. I just have my kids empty cans of milk jugs etc when they were like one to play with. Used clothes from friends/family with kids or thirt it. What I've seen is having a kid, the parent...

squirm

Poorman wrote: ↑
Fri Apr 17, 2020 8:05 pm

Dottie57 wrote: ↑
Fri Apr 17, 2020 7:49 pm
Earplugs now, move when lease is up. Tell landlord why you are moving.
How do earplugs block bass???

They don't.

squirm

Invite him down to your apartment before he lowers the music so he can hear what you hear. I've done this and it works. . . for awhile. Permanent cure is to move. Resolve never to be in only the highest apartment with nothing above. Noise complaints are tough. Landlords take a beating. j :happy Agr...

squirm

been going to gyms for 40 years.
since i can't now, i'm doing more forestry type work. that will knock the wind out of you.

squirm

I allow for $100/device/year. Our iPhone SEs have delivered on that, and are still going strong. When something moves us to change, I expect we'll move to the new SEs. To the SE haters, what's your cost per device per year? Not a hater, but I am well <$100/device/year with Moto G's. I don't need a ...

squirm

my kids cut my hair for years. easy. take out clippers, snap on guard start cutting. us guys are lucky at least i am, cuz i don't care what my hair looks like, though kids do a good job. then i cut their hair. paying to get hair cut is so yesteryear.

squirm

so can i just spray all the items (except for produce) from the grocery store with a 1:10 water/bleach, let it dry and then put the stuff away?

squirm

Bleach seems to be readily available (now) where I live, and even when they were sold out of bleach the store had plenty of pool chlorine tablets. You need to be careful about getting the dilution with water right, you don't want it too strong (chlorine is toxic), but if diluted in enough water it ...

squirm

A family member is a little over 50 and is trying to relive his youth. Sorta funny to watch. Buys all the speed boats, fast cars and other toys, tries to convince me I should be impressed. I asked him why? we're not in our 20's anymore.

squirm

I always thought having a pool was a gamble. Kids usually use them but adults, rarely. They don't necessary add value to property either which tells me if you're selling a house with a pool it might detract buyers. I use to remodel homes decades ago, some of those homes that I remodeled the pool is ...

squirm

We have a couple birthdays planned this summer, but not sure if eating out and drinking is going to be all that fun now. Even if restaurants are required to operate at half capacity (higher prices I would think?), it seems nerve wracking to sit and be touching tables that others were just sitting at...

squirm

The flying part might actually be safer today given how empty the planes generally are. Social distancing on the plane and at the airport may be more difficult if/when more people fly again (because they think/are told it is safe). I have some travel credit and companion passes on Alaska expiring l...

squirm

I heard the MS prediction on CNBC. I'm not saying their the experts, but that's all I have to go with.
A second wave does make sense, I doubt the US will do as much or take as drastic measures as S Korea or China has done to try and prevent a re-infection.

squirm

No, You Don't Need To Disinfect Your Groceries. But Here's How To Shop Safely The outline: Know the dangers — focus on the people, not the food Avoid crowds and shop quickly Wear a face covering Go alone Sanitize carts and hands Skip the gloves Give the cashier some space Choose no-touch payment wh...

squirm

I wouldn't fly There probably will be flights by then but there will still be a big risk imo. "Still low enough"?? We are way past that. People don't take this seriously enough. Watch some videos on youtube about coronavirus victims of all ages and health. I take it very serious, It's very eye open...

squirm

I'm choosing September, before winter hits and hopefully the infection rate is still low enough to fly with confidence I won't get infected. I'm in the US, idaho, if it means anything. flying to Florida. will be there for two weeks. Morgan Stanley believes the second wave will hit sometime in Novemb...

squirm

I'm looking to get my wife a new laptop. She's not into gaming or photo editing, but occasionally she needs to run software that is too demanding on her 2014 Toshiba laptop. Ideally, I'd like to get her something that can last her several years. One thing I've noticed is that laptops have gotten ex...

squirm

Awesome, thank you!

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