 |
10-16-2009, 08:39 AM
|
#1
|
|
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Feb 2006
Location: Washington, DC
Posts: 11,331
|
Time for 20-33% SWR?
Well, with over 200 books and lots of reputable scientists predicting the end of the world on 12/21/2012 is it time to rethink our withdrawal rates? The optimistic among us (or pessimistic depending on your point of view) could pull 33%/year or higher if you want to front load your spending. The skeptics could go with maybe 20%, just in case.
__________________
Idleness is fatal only to the mediocre -- Albert Camus
|
|
|
 |
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!
|
|
10-16-2009, 08:41 AM
|
#2
|
|
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Oct 2005
Location: North Oregon Coast
Posts: 16,483
|
What if the Mayans forgot to carry the one?
__________________
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)
|
|
|
|
|
10-16-2009, 08:52 AM
|
#3
|
|
Thinks s/he gets paid by the post
Join Date: Nov 2005
Location: North of Montana
Posts: 2,769
|
Or got the math right but worked in base 13?
__________________
There are two kinds of people in the world: those who can extrapolate conclusions from insufficient data and ..
|
|
|
|
220 Dates for the End of the World
|
10-16-2009, 09:01 AM
|
#4
|
|
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 21,305
|
220 Dates for the End of the World
I thought about Y2K, but here are 220 "end of the world" dates and their supporters POV. Most of them are past, and 12/21/2012 is on the list.
Funny premise for a thread, beyond that  (yawn, gif doesn't appear to work)
220 Dates for the End of the world!!! Date Setters!
__________________
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: 50% equity funds / 45% bonds / 5% cash
Target WR: Approx 1.5% Approx 20% SI (secure income, SS only)
|
|
|
|
|
10-16-2009, 09:05 AM
|
#5
|
|
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Dec 2006
Location: Collin County, TX
Posts: 9,296
|
 Quote:
Originally Posted by donheff
Well, with over 200 books and lots of reputable scientists predicting the end of the world on 12/21/2012 is it time to rethink our withdrawal rates? The optimistic among us (or pessimistic depending on your point of view) could pull 33%/year or higher if you want to front load your spending. The skeptics could go with maybe 20%, just in case.
|
Pool, pony and hubba hubba hiney...you're mine all mine! 
__________________
There's no need to complicate, our time is short..
|
|
|
|
|
10-16-2009, 09:21 AM
|
#6
|
|
Full time employment: Posting here.
Join Date: Feb 2008
Posts: 920
|
Last year I actually asked a Mayan about this 2012 thing. No, I didn't go back in time I was backpacking in Guatemala and we hired a local guide to give us a tour of the Tikal ruins. Two things I learned about Mayan sentiment:
1. They hate Mel Gibson
2. They think this 2012 dealie is the dumbest thing they've ever heard of
|
|
|
|
|
10-16-2009, 09:28 AM
|
#7
|
|
Thinks s/he gets paid by the post
Join Date: Oct 2004
Posts: 1,719
|
Quote:
Originally Posted by ziggy29
What if the Mayans forgot to carry the one?
|
Maybe they meant 2112? If so, then they would be RUSH fans.
__________________
He had one of those rare smiles with a quality of eternal reassurance in it . . . It faced, or seemed to face, the whole external world for an instant and then concentrated on you with an irresistible prejudice in your favor. -- The Great Gatsby, F. Scott Fitzgerald
|
|
|
|
|
10-16-2009, 10:01 AM
|
#8
|
|
Moderator Emeritus
Join Date: Sep 2007
Posts: 17,774
|
Those ancient Mayans were so smart--that's why they run the world today.
__________________
“Would you like an adventure now, or would you like to have your tea first?” J.M. Barrie, Peter Pan
|
|
|
|
|
10-16-2009, 10:12 AM
|
#9
|
|
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Feb 2006
Location: Washington, DC
Posts: 11,331
|
Quote:
Originally Posted by Midpack
I thought about Y2K, but here are 220 "end of the world" dates and their supporters POV. Most of them are past, and 12/21/2012 is on the list.
|
What if one of them actually was right and we are in an alternate universe?
__________________
Idleness is fatal only to the mediocre -- Albert Camus
|
|
|
|
|
10-16-2009, 10:12 AM
|
#10
|
|
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2008
Posts: 13,150
|
I remember reading about a guy who was diagnosed with a terminal illness so he went ahead and pretty much spent all his money. Well, guess what, his illness wasn't terminal after all. Good news, he survived, bad news, he's broke.
|
|
|
|
10-16-2009, 10:56 AM
|
#11
|
|
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 21,305
|
Quote:
Originally Posted by donheff
What if one of them actually was right and we are in an alternate universe?
|
You may be on to something. This seems like a lot different universe than I lived in 40 years ago... 
__________________
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: 50% equity funds / 45% bonds / 5% cash
Target WR: Approx 1.5% Approx 20% SI (secure income, SS only)
|
|
|
|
|
10-16-2009, 12:01 PM
|
#12
|
|
Recycles dryer sheets
Join Date: Jan 2007
Posts: 398
|
Quote:
Originally Posted by Midpack
|
Yeah, but this time it's different.
The world's ending in 2012 - why bother to unpack.
|
|
|
|
|
10-16-2009, 01:13 PM
|
#13
|
|
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jul 2008
Location: Leeward Oahu
Posts: 17,930
|
Maybe I'll give all my retirement stash to charity (but date the check Dec. 22, 2012- just in case  ) Nah! I'll just spend half on women and booze and waste the rest.
__________________
Ko'olau's Law -
Anything which can be used can be misused. Anything which can be misused will be.
|
|
|
|
|
10-16-2009, 02:51 PM
|
#14
|
|
Thinks s/he gets paid by the post
Join Date: Sep 2006
Posts: 1,691
|
Quote:
Originally Posted by donheff
Well, with over 200 books and lots of reputable scientists predicting the end of the world on 12/21/2012 is it time to rethink our withdrawal rates? The optimistic among us (or pessimistic depending on your point of view) could pull 33%/year or higher if you want to front load your spending. The skeptics could go with maybe 20%, just in case.
|
reputable??
Carl Sagan thought that the aliens who assisted the mayanswould return (maybe give us an upgrade to their calendar ;-)
tj
|
|
|
|
|
|
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
|
|
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
|
» Recent Threads
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
» Quick Links
|
|
|
Linear Mode
