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A caution to you: Dubrovnik is a hilly city. There are 200-300 steps going toward the old town even if you just stay outside the wall. Wherever you find your Airbnb, make sure you are aware of the number of steps towards that unit. Because you will need to drag your luggage to it. It is...

Interesting story. Could you tell me in what city? Interesting story. Could you tell me in what city?

Would you believe such disruptions/sanctions will only affect China? How did Russia fare wrt sanctions, as compared to European countries, after the war broke out last year?

I personally registered with a WeChat account years ago. Have you tried to install Alipay and link a credit card from it?

it seems to be.

Both WeChat and Alipay can link to foreign credit cards. My friend recently did. There might be 3% additional transaction fees.

No one can predict 1. Mainland China wanted to militarily take Taiwan for the last 7 decades. Nothing major happened. 2. In 1913, no one predicted WWI was to break out.

SMS has size limitation as you cannot send high-quality picture or small video. Use Whatsapp instead. My phone can hold two SIM cards. I often bought a local SIM card when I was abroad. So, I can still keep my current phone# active. That is another option.

Signup WeChat with help from someone who has WeChat This is a recent video, showing you how to sign up Wechat. It appears you will need to provide a QR code to someone who has Wechat and let that person enter your phone number. Your Chinese teacher should have WeChat.

Why visiting in July? Guangzhou/Chengdu/Shanghai/Chongqing will be brutally hot and humid. You can install Wechat and sign up with your current phone number (not necessary to have a Chinese Sim card) and you can link to your credit card. Another payment app is Alipay and you can also link to...

Contact your local NUCCA doctor It could be an issue with your upper cervical out of alignment. NUCCA doctor can help. No surgery needed. They just do some minor adjustment on your C1 and C2. Here is where you may find the doctor: https://nucca.org/directory/ Here is an article...

Right on!

I think it is doable A big factor is at what age. Assume you two will have SS. If you plan to retire right before you can have SS, having $999k should be sufficient. However, if you plan to retire at 40 and will need to wait 27 years to take SS, you will need to spend a lot less. Based on...

Even with using FireCalc, if the market has been down X percent for Y number of consecutive years, one will still worry about running out of money sooner than he planned and need to decide how much he needs to cut his spending, no matter what "success rate" he got initially. Therefore, this...

Is 78% success rate good enough? I have no idea. Because I don’t know how its calculation came about. That is why I asked “what the acceptable success rate should be” earlier in this thread. Does FireCalc generate the number based on historical market index? If it does, does it include...

Planning is not a guarantee as we are all smart enough to know. No one will use any model to do his estimate and stick to that number for the next 20-40 years. Market can be up and down. You health condition can continue to be good or get worse as time goes by. That is why you can do the...

Like what I said earlier, those factors (25X or whatever) are irresponsible. It doesn’t take your available SS in to account. Also, it doesn’t tell you whether you can retire at 40, 60 or 70. The retirement age and your available SS, along with inflation & investment return rate, do...

You and several others questioned why I said existing models are “too conservative”. First of all, it is purely subjective, as different people have different risk tolerance levels. While the average soon-to-retire people have relatively much lower retirement savings balance, people thinking...

That is exactly correct. I initially did this on a spread sheet based on my own situation (That is no consideration of pension, because all our pensions with previous employers were converted to 401k). As I played with the numbers again and again, I thought it would be fun to convert a...

Here is the result based on the numbers given above. a $40,000 Input b $461,771 Output SS $18,000 r1 1.06 r2 1.03 r3 1.02 n1 0 n2 30 How does $461k look like?

Following your suggetion and Midpack's, I studied again with FireCalc and it does appear it includes lots of the factor and tested with historical data. However, I came up my formular mainly for my own retirement planning and prior to learning the availability of FireCalc. I still believe...

My calculation finally showed up again at #10. Your id reveals your intended ER year as 2019. We are in the same boat, except you joined this site years earlier than me. Hopefully, there will be no catastrophic market correction in coming years. :coolsmiley:

Maybe I missed something from firecalc.com. It just gives me a range of curves with a probability based on a lump sum (still a shortcoming without taking SS into account), correct? BTW, I have been attempting many times, to post the remaining part of my calculation with using POST, EDIT or...

Here are the variables: r1: Investment annual return (say r1 = 1.06) r2: Inflation rate (say r2=1.03) r3: SS COLA (say r3 =1.02) a: Annual expense for the first year. Each year add by r2 b: Your savings right before ER (401k, IRA, Pension, etc.) c: The combined SS of what you and your spouse...

(removed by myself. info duplicated)