Bogleheads.org

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OluKai NMoloā Slipper The removable cushioned insole of these slippers is excellent - can't say enough positive things about these. A slipper with substantial cushioning was a must have for me. Prior to this I did put Spenco insoles in my previous pair of Bass slippers which was reasonable until the...

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I also have potential offer at a naval defense contracting company less than 10 miles from me

Is working and getting engineer degree part time an option that possibly employer would pay for?

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It is interesting how this thread is generally favorable with regards to being able to retire yet other threads with similar assets might be met with more skepticism. Maybe the difference is there is a health care issue present. Absent from the replies were grilling over future health care costs, fl...

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I don't think you can tell without trying them out. Consider if you can tell by going to desaler and trying out chairs vs needing a longer sit test. Some retailers (and Steelcase store) offers free shipping, 30 day trial, free returns. The Leap seems a bit more supportive/snugger fit of both seat an...

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If the 401k plan does not allow flexibility then just roll it over and do
ROTH conversions. Not sure why that wasn't already mentioned.

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Doesn't the price of Tesla stock disprove the assertion that the market
is always efficient or rationale?

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I don't follow all the fuss about heavy cash allocation and people making a distinction between investing it vs it not being invested. It is part of someone's net worth. At 1% money doubles in ~ 72 yrs, 2%~36yrs, 3%~24yrs. At today's historical low interest rates I don't really see the big differenc...

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If you think you can time the market knock yourself out.

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I listened to a few minutes of one of his vidoes where he stated:
1. No one is going to be buying new cars anymore,
2. We are going to be living in trailers and eating fast food,
3. Only the top 1% is going to be able to retire.

Hmmm

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I have no idea if possible but could you document the issue, get corroboration,
sell the car and try to recover cost in small claims court?

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In hindsight it might be nice to not have purchased the car but new cars have high depreciation so cannot advocate it always makes sense to sell it after the fact.

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I don't believe all plans have to allow this. Also what if they allow the penalty free access but only a single lump sum withdrawal - what good would that do? Would have to transfer to IRA and then you would not get the benefit of penalty free withdrawals @ 55.

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Last year alone, that is what 400-600k depending on asset allocation for the 2m alone?

That is a ridiculous statement if someone doesn't want to be invested 100% in equities.

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Maybe the answer would be easier if you considered working another 10 years, maybe doubling your worth. (rule of 72) 2.6M..... Paying off mortgage in the mean time. About 15 years ago I asked the same question and worked extra 10 years. I doubled what I thought was needed as total and went 50/50 AA...

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If you are looking for good cushion I bought slippers from Olukai (good cushion + fuzzy inside). I didn't want a fuzzy inside because for me they are too warm but couldn't find (good cushion + non-fuzzy inside) - so (good cushion + fuzzy inside) won out. They have a very substantial removable cushion.

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How many failed? Due to what circumstances? How many failed and how many were successful? What was the outcome of the failed business? In what countries were each of these business's? I don't think anyone needs the 3'rd degree for stating an opinion. Both parties responded to the OP's request. That...

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Which one is a better investment?

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If short term treasury and CDs have about the same yield, and if principal and interest is protected for a CD aren't CDs a superior investment?

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Sorry - I was thinking of a short term treasury fund - so value will fluctuate - which I was equating to safety or volatility - as compared to a CD. And also if interest rates go down presumably value of fund would go up - so that is why I used the word expected. Note - not that I am using correct l...

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Is the expected return of short term treasuries and CDs about the same?
Does the FDCIC insurance equate to higher safety or just lower volatility?

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Yes I abbreviated Forture 500 as F500.

Sorry for the confusion.

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Accumated few hundred shares of F500 (Fortune 500) stock and want to sell. Assume market order is fine for F500 stock? Assume it is of no benefit to break order up into 2 orders - 1 that is a integer multiple of 100 and then 1 that is not?

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I wouldn't walk to the exits - I would run. Generally one train of thought is if you didn't own it already would you be a buyer today - if the answer is no then sell. Watson seems like a bust. They don't seem to be a leader in the cloud business. It is not clear to me even if IBM was a leader in eme...

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I am sure need could be expanded to need or desire.

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Amia Leap Gesture Think It is actually a difficult item to buy. If you aren't happy with big box selection then you are dealing with a business that sells to other businesses. Since everything is custom ordered and built places somewhat close to me generally don't stock a whole lot of stuff to even ...

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Nobody?

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Anybody have any experience with any of the newer Steelcase Task Chairs at home or work? Any good sites for either new or used?

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Gill wrote: ↑Wed Oct 10, 2018 8:45 pm Also, the income tax laws of your old state may have a bearing on whether you can then escape that state’s tax on distributions.
Gill

My understanding is that is not true.

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If you continue to be a decent saver and not a big spending I don't see how you won't make out ok unless there is a doomsday scenario. But if that happens how exactly do you think you could protect yourself?

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Don't drive the v6 - it isn't an option on the LE. And after you
drive a v6 it is hard to want the 4 cylinder.

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Wouldn't the owner of the home have to somehow be negligent of something to win a judgement against? If I go to my neighbors house, clime a tree and fall out are you saying no jury would argue I was responsible for my actions? Not at all?

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If past wages and the bend points use the same indexing I don't see how once you meet the 2'nd bend point you could ever not meet it at some point in the future.

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The issue of health care seems somewhat unsolvable. I don't get the impression that most companies want folks sticking around until 65 at which point they are eligible for medicare.

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Not definitive but I always assumed having to pay too much taxes when retired would be a good problem to have.

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Nestegg_User wrote: ↑Tue May 15, 2018 10:52 pm Thousand Islands ????

that’s nowhere near the Finger Lakes region

jkushne1 wrote: ↑Tue May 15, 2018 7:06 pm Or if not the finger lakes, somewhere else

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Wineries are something to do along the Finger Lakes - although not sure that meets your kid friendly definition. Both Ithaca and Watkins Glenn have nice gorges. Ithaca is college town with Cornell University there and is nice for a visit. Not sure about staying a week in any one place but Corning ha...

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LMP - Liability Matching Portfolio.

I realize SWR is a guideline - but for those of us retiring with our own investments we all have to eat. So there is an assumed floor that one cannot go below. If you read between the lines I have suggested a flexible withdrawal strategy.

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So if scenario #1 is 3 fund portfolio, 2% would cover needs, 3% would allow for some discretionary spending and 4% would allow for a lot more discretionary spending at say age 50 would the implications scenario #2 with LMP covering needs result in potentially working much longer or accepting a much ...

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I would be really surprised if anyone with 3M would put 1/2 into a SPIA.

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Part of the debate here seems to be concepts of safe and flexibility. The OP asked about safety yet the ensuing discussion brought in concept spending being flexible. Victoria focused on safety. Focusing on safety or emphasizing flexibility seems to drive two vastly different discussions.

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bobcat2 wrote: ↑Fri Apr 06, 2018 11:57 am No. The worry is that people are not working long enough, given longer life expectancy at age 65.

BobK

I was just commenting based on a fair amount of discussion in this thread that if you have a high
savings rate you can't retire early if everyone else has a high savings rate.

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Of all the things to worry about in the universe - worrying about your typical
American saving too much money?

I have not read any stories suggesting consumers are not doing anything but
consuming with consumer debt at record levels.

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Can we put all the threads where someone's pension fund covers all there expenses in a single thread similar to the wealth progression thread

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Thank for the responses. Sounds like I am not off base - bottom line was I found it hard to believe anyone's retirement is dialed in to within a few thousand dollars either way - seems like noise - caveat being a reasonable middle class lifestyle.

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You are missing the point of my thread. I am trying to reconcile some of the posters comments regarding being careful about having 0's in the SS calculation and then looking at the dollar amounts involved and thinking they are small.

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I often see comments on threads that if someone is considering early retirement that they should consider the reduced social security benefits they will get. Looking at SS benefit formula is seems that after the 2'nd bend point the increases in the SS benefit are so small they seem negligible for so...

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That job description to me sounds like someone who owns
a company and has professional management running it.

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TravelforFun wrote: ↑Thu Jan 11, 2018 7:04 pm You’re cutting it close.

This analysis seems flawed. No gain for such a long period of time
and then saying a conservative withdrawal rate of 3% - which is
conservative for any age - let alone the age of OP in 2036 seems
to be conservative to the point of ridiculous.

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If you need to be employed 40 hrs/wk due to VISA status then how can you quit and pursue passion? If you are really prepared to quit engineering then possibly just consider looking for another job that maximizes doing something interesting vs salary. Not sure if that is practical or not. Seems a lit...

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Coachrhino11 wrote: ↑Fri Dec 29, 2017 8:02 pm drive boring Camry, can’t imagine.

Hey - I really like my camry!

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