Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 09-19-2010, 12:12 AM   #21
Thinks s/he gets paid by the post
Rambler's Avatar
 
Join Date: Jul 2007
Posts: 2,243
Hey NW Scruffy - welcome to the forum, although suspect you've been looking over your DW's shoulder as she's browsed the board. Its a great place to be!

R
__________________

__________________
Find Joy in the Journey...
Rambler is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 09-19-2010, 12:43 AM   #22
Dryer sheet wannabe
 
Join Date: Sep 2010
Location: Seattle
Posts: 10
Quote:
Originally Posted by Sue J View Post
Congratulations on making the decision. My DH retired on 6/1/10 with a COLA-ed defined benefit plan that includes health insurance, similar to yours except that he had almost 27 years.

Right now he doesn't want to be socially occupied. His career was in social services and I think he's dealt with enough people to last him a long time. So far he's been content to do things at home, go out on his own biking or hiking or just experience life without the daily work grind. Lately he's been talking about simplifying things around the house, like he's adjusting to no longer needing to be on the working treadmill.

NW Scruffy Guy,

Welcome to the board. I had to look up FOAD. Learn something new everyday.
Sue-

I have been on the corporate treadmill for a long time. time for this to stop.

I did not tell my boss exact FOAD. That would be in poor taste, I told him that I was going to retire in 2011. However it is a form of FOAD (aka FIRED).

Bruce
__________________

__________________
NW Scruffy Guy is offline   Reply With Quote
Old 09-19-2010, 01:48 AM   #23
Dryer sheet wannabe
 
Join Date: Sep 2010
Location: Seattle
Posts: 10
what the heck is a DH? designated husband?

Bruce
__________________
NW Scruffy Guy is offline   Reply With Quote
Old 09-19-2010, 01:52 AM   #24
Dryer sheet wannabe
 
Join Date: Sep 2010
Location: Seattle
Posts: 10
Quote:
Originally Posted by Rambler View Post
Hey NW Scruffy - welcome to the forum, although suspect you've been looking over your DW's shoulder as she's browsed the board. Its a great place to be!

R
DW? what does this mean? Designated Wife?

Bruce
__________________
NW Scruffy Guy is offline   Reply With Quote
Old 09-19-2010, 05:50 AM   #25
Thinks s/he gets paid by the post
obgyn65's Avatar
 
Join Date: Sep 2010
Location: midwestern city
Posts: 4,061
Agree with Rambler. I have joined this website recently but find it already very addictive...

Quote:
Originally Posted by Rambler View Post
(this foum is) a great place to be!

R
__________________
Very conservative with investments. Not ER'd yet, 48 years old. Please do not take anything I write or imply as legal, financial or medical advice directed to you. Contact your own financial advisor, healthcare provider, or attorney for financial, medical and legal advice.
obgyn65 is offline   Reply With Quote
Old 09-19-2010, 08:55 AM   #26
Full time employment: Posting here.
hankster's Avatar
 
Join Date: Jan 2008
Posts: 645
Quote:
Originally Posted by obgyn65 View Post
Agree with Rambler. I have joined this website recently but find it already very addictive...
I am not addicted to this forum. I can quit any time I...I...Ooooh! Another thread on SWR and asset allocation in ER! I gotta read it! Oh boy, a troll post! I gotta make some popcorn and watch the smackdown!
__________________
"There is no dignity quite so impressive, and no independence quite so important, as living within your means." Calvin Coolidge
hankster is offline   Reply With Quote
Old 09-19-2010, 09:03 AM   #27
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
REWahoo's Avatar
 
Join Date: Jun 2002
Location: Texas Hill Country
Posts: 42,068
Quote:
Originally Posted by NW Scruffy Guy View Post
what the heck is a DH? designated husband?
Quote:
Originally Posted by NW Scruffy Guy View Post
DW? what does this mean? Designated Wife?
For a definition of TLA's as well as others, see here: * Acronyms and Slang Frequently Used on the Forum *
__________________
Numbers is hard

When I hit 70, it hit back

Retired in 2005 at age 58, no pension
REWahoo is offline   Reply With Quote
Old 09-19-2010, 10:17 AM   #28
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Amethyst's Avatar
 
Join Date: Dec 2008
Posts: 5,872
Now I am blushing because I knew what FOAD meant. And have often thought it (though never out loud )

Amethyst
__________________
If you understood everything I say, you'd be me ~ Miles Davis
'There is only one success to be able to spend your life in your own way. Christopher Morley.
Amethyst is offline   Reply With Quote
Old 09-19-2010, 10:40 PM   #29
Recycles dryer sheets
 
Join Date: May 2005
Posts: 189
Quote:
Originally Posted by BigNick View Post
Anyone with a DB pension who has hit the minimum age for a payout, even a reduced one, should take an annual look at their effective remuneration, defined as (your salary) minus (what the pension plan would pay if you left today). It can be quite sobering.

As of November, when I hit 50 and could take a massively reduced pension compared to if I stayed until 60 (40% reduction for the extra 10 years, 35% reduction for the 10 years of contributions I won't have made), I will be working for 80% of my salary. That figure will go down by about 4 percentage points per year until I'm 60. As soon as the portfolio can pick up the slack, I'm outta here.
I think the difference will still be less (between final net cash you get) if you add taxes, federal, state, and social security+medicare.
__________________
landover is offline   Reply With Quote
Old 09-20-2010, 05:05 AM   #30
Thinks s/he gets paid by the post
 
Join Date: Jun 2010
Location: France
Posts: 1,195
Quote:
Originally Posted by Amethyst View Post
Now I am blushing because I knew what FOAD meant. And have often thought it (though never out loud )
The other day I came across someone being told "now DIAF", which is just as powerful a sentiment but can at least be sent "expanded" across most electronic media without setting off profanity filters.
__________________
Age 56, retired July 1, 2012; DW is 60 and working for 2 more years. Current portfolio is 2000K split 50 stocks/20 bonds/30 cash. Renting house, no debts.
BigNick is offline   Reply With Quote
Old 12-17-2010, 06:14 PM   #31
Full time employment: Posting here.
martyp's Avatar
 
Join Date: Sep 2010
Location: Bangkok
Posts: 963
Finally!

It's December 17th and today was my last (1/2) day of work! No regrets. Lets hope I can say the same a couple of months from now. It won't seem real until January when everyone else goes back to work and I am still at home.

Last Wednesday I got a retirement party. If anyone had asked me I would have declined and asked to slip out quietly. However, they planned this while I was out on vacation Thanksgiving week. The big fear for something like this is wondering whether anyone will show. It was a pretty good turnout of about 50 people including a few colleagues from 15 years ago. I have to say I enjoyed it. It was a good way to go out.

Now time to get on with the rest of my life.
__________________
martyp is offline   Reply With Quote
Old 12-17-2010, 06:16 PM   #32
Thinks s/he gets paid by the post
 
Join Date: Jun 2004
Location: No. California
Posts: 1,600
Congratulations and enjoy your free time.
__________________
KB is offline   Reply With Quote
Old 12-17-2010, 06:45 PM   #33
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: Chicagoland
Posts: 11,959
Congrats Marty. On with the next chapter in your life, make it the best one yet!
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57

Target AA: 60% equity funds / 35% bond funds / 5% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
Midpack is offline   Reply With Quote
Old 12-17-2010, 08:07 PM   #34
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Purron's Avatar
 
Join Date: Nov 2007
Posts: 5,584
Yeah baby.

__________________
I purr therefore I am.
Purron is offline   Reply With Quote
Old 12-17-2010, 08:15 PM   #35
Full time employment: Posting here.
ohyes's Avatar
 
Join Date: Sep 2010
Posts: 649
This is great news! I am so happy for you. I have been sharing what I read on this forum and in a retirement book i found recommended on this forum with a colleague. She told me today that she gave her notice to the principal yesterday. I am so happy for her!

My turn is next year.
__________________
ohyes is offline   Reply With Quote
Old 12-17-2010, 08:36 PM   #36
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Moemg's Avatar
 
Join Date: Jan 2007
Location: Sarasota,fl.
Posts: 10,029
Congratulations ! Now throw that alarm clock away !
__________________
Moemg is offline   Reply With Quote
Old 12-17-2010, 08:46 PM   #37
Thinks s/he gets paid by the post
walkinwood's Avatar
 
Join Date: Jul 2006
Location: Denver
Posts: 2,675
Congratulations!
__________________
walkinwood is offline   Reply With Quote
Old 12-18-2010, 02:31 AM   #38
Dryer sheet wannabe
 
Join Date: Dec 2010
Posts: 20
Awesome! Have fun.
__________________
mnopqr is offline   Reply With Quote
Old 12-18-2010, 06:59 AM   #39
Thinks s/he gets paid by the post
Rustic23's Avatar
 
Join Date: Dec 2005
Location: Lake Livingston, Tx
Posts: 3,624
For those of us that have had the pure pleasure of those first couple of weeks, CONGRATULATIONS!
__________________

__________________
If it is after 5:00 when I post I reserve the right to disavow anything I posted.
Rustic23 is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
New US currency announced brewer12345 FIRE and Money 12 01-13-2008 07:51 AM
Plans for First Week of Retirement Purron Other topics 9 11-26-2007 08:55 PM
What'd You Do First Week of Retirement RetireeRobert Life after FIRE 25 11-14-2007 08:12 PM
First week in Retirement savedapile Life after FIRE 17 05-16-2007 07:20 PM
My Wife's retirement, week one laurence Life after FIRE 9 04-24-2006 05:54 PM

 

 
All times are GMT -6. The time now is 03:47 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.