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Checking in.... Most importantly, 31 of 100 countries visited, a life long goal. 3 more to be added in 2018! And first trip with the girls. We've added another chic to the coop. It's me and 4 girls (if you count DW). Toilet paper bill is through the roof. Trying to strike that balance...

I'm a fellow 32 yo and I'd like to say you've done well. As others have said, when you can retire depends not only on savings, but also what you spend. The most important thing I've learned on this forum in the last 5 years is to enjoy life. Being first to the finish line may or may not be...

Sweet, thanks! Just signed me and DW up. Just so everyone is clear, the "bonus codes" are input under "How did you hear about us?" Just enter the code and hit the "apply code" button.

Depends on your travel habits. I put roughly $60-70k on my cards per year (not all my money). Sure, that is $1400, but that will usually only get you an international rt ticket. We fly international first and business class, when I've been able to get the systems to price out my iten, the...

The concern of pre detonation is on the compression stroke, not the ignition/combustion stroke. A vehicle's ability to adjust for this via timing is case by case and depending on when the detonation is happening on the compression stroke. The ECU may be able to compensate by adjusting air/fuel...

We've got an '06 ES330, and there is no reason that vehicle should have a motor which runs high compression. DW complains about the premium, but we've averaged 7k-8k miles per year since we bought the car in late '08. Lexus has actually stopped putting high compression motors in their vehicles...

I'm sure those with more experience will be along, but my opinion is you have far too little. 4% is a rule of thumb, I would target more in the 2% range if looking to get out in your 30's. But, you don't have a family or kids, so the consequences of failure are small. Not sure how things...

Sapphire Preferred is the nuts. It is our main card which takes too much abuse. Obviously, DW & I are into travel points. I understand not everyone would like to do the same, but we've taken 3 international first class trips to asia the last 3 years....It's something we value more than the...

in '07 I did paris for a few days and then flew easy jet out of Orly to Geneva. Hit up Chamonix, Annecy, Lyon, Avignon, Pont du gard, Nimes, Aix en Provence and then over to Nice. All done via a rental vehicle and staying at gites along the way. A great trip, and I'd love to repeat via...

another excellent resource is flyertalk. We only spent 3 days in beijing last year, but our travel style is more on the DIY side. I would hire guides in each individual city or place, and then move on. We're a big fan of the private guides ever since we had 3 days in Israel, and only 1 day...

another advantage is if one cannot make direct roth contributions and desires to do a backdoor roth, but doesn't want to pay taxes on their rollover IRA while w*rking. Not sure if this applies to TSP, but with 401k's which accept outside funds can have another advantage if one wants to retire...

I'd also drop a dime to the state's labor department about them not making payroll. Everytime they sent me a letter or pushed the issue in any way, I'd contact the labor department about another offense. Assuming you have the proof (bank statements, copies of checks, paystubs etc)... Sucks...

As with any custodian, they aren't responsible for paying taxes on your IRA. They do keep track of if it is a roth or traditional account, but you are responsible for keeping track of your basis in both (including deductible/non-deductible contributions). With that said, taxes are "paid" at...

not retired, but we spend about $15-$20k, or about 5-10% of my compensation. Next year, I'm going heli skiing and we would like to get to Africa to see some friends. Hopefully a few nights with Singita is in order.... But, the real treat has been the last couple years we've spent our...

I don't think he was, but I'm sure he'll eventually chime in and "set the record straight." But, thanks for confirming what my gut feeling was telling me, it probably isn't worth it to get your RE license for a home every couple years.

We may also be confusing a reduction in PIA due to missing working years and a reduction in the widow(er)'s benefit due to taking "early retirement." The part I highlighted in Bold, I believe to be correct. But, I believe this to be different than what running man is saying.

This is not my understanding. IF the worker had taken a reduced rate @ age 64, yes. But if the worker was waiting for FRA and had not entered "retirement" with the SSA, the widow(er) gets 100% of the PIA, with the following exceptions quoted below. Perhaps I don't fully understand or I am...

It's interesting though, that the max reduction as a spouse is 32.5% and as a widow(er) it is 28.5%.... As always, in most situations it is best to delay initiating SS retirement benefits as long as possible.

Are you saying....If the worker dies @ age 64 and has not yet initiated benefit payments, will the widow(er) get the benefit @ FRA or if they had taken a benefit @ 64? If that is the question, I believe it to be the benefit @ FRA. As shown in SS handbook 407.1 and referenced earlier in this...

I believe the antithesis to be true as well. For instance, if the insured takes "early retirement," that essentially becomes the insured amount for the widower. So, if you take SS retirement before FRA, your spouse is then stuck with the reduced amount. I apologize, I haven't studied this...

https://www.socialsecurity.gov/OP_Home/handbook/handbook.04/handbook-0407.html https://www.socialsecurity.gov/OP_Home/handbook/handbook.07/handbook-0720.html 720.3 D

I'm curious on the practicality of this advice. If someone is just going to buy ONE home, is it worth it? Don't you have to pay to access the MLS? And associate with someone who carries some office support and liability coverage? Genuinely curious....

This is correct, here are some links from the SSA Handbook... Calculation of delayed retirement credits 2/3 of 1% per month for those retiring 2009 and later Basic Reduction Amounts 5/9 of 1% per month for insured, 25/29 of 1% per month for a spouse.

if you convert this year and file for an extension (Oct 15th), you'll have almost a year to see how it plays out and can leave the conversion in place or "undo" if it is not favorable to you (or whatever it is you are trying to do).

The trick to southern Utah is camping off national park lands. Or for us "non-old" people who don't get a national parks pass every year, it can be a cheap way to see some amazing things (see my avatar for example). The other trick for us youngsters is to go early. For example, Rmnp doesnt care...