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09-18-2010, 11:12 PM
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#21
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Thinks s/he gets paid by the post
Join Date: Jul 2007
Posts: 2,487
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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...
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09-18-2010, 11:43 PM
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#22
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Dryer sheet wannabe
Join Date: Sep 2010
Location: Seattle
Posts: 10
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 Quote:
Originally Posted by Sue J
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.
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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
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09-19-2010, 12:48 AM
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#23
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Dryer sheet wannabe
Join Date: Sep 2010
Location: Seattle
Posts: 10
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what the heck is a DH? designated husband?
Bruce
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09-19-2010, 12:52 AM
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#24
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Dryer sheet wannabe
Join Date: Sep 2010
Location: Seattle
Posts: 10
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Quote:
Originally Posted by Rambler
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
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DW? what does this mean? Designated Wife?
Bruce
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09-19-2010, 04:50 AM
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#25
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Thinks s/he gets paid by the post
Join Date: Sep 2010
Location: midwestern city
Posts: 4,061
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Agree with Rambler. I have joined this website recently but find it already very addictive...
Quote:
Originally Posted by Rambler
(this foum is) a great place to be!
R
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__________________
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.
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09-19-2010, 07:55 AM
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#26
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Full time employment: Posting here.
Join Date: Jan 2008
Posts: 649
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Quote:
Originally Posted by obgyn65
Agree with Rambler. I have joined this website recently but find it already very addictive...
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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
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09-19-2010, 08:03 AM
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#27
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 49,399
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Quote:
Originally Posted by NW Scruffy Guy
what the heck is a DH? designated husband?
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Quote:
Originally Posted by NW Scruffy Guy
DW? what does this mean? Designated Wife?
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For a definition of TLA's as well as others, see here: http://www.early-retirement.org/foru...rum-34884.html
__________________
Numbers is hard
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09-19-2010, 09:17 AM
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#28
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Dec 2008
Posts: 11,722
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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.
Even a blind clock finds an acorn twice a day.
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09-19-2010, 09:40 PM
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#29
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Recycles dryer sheets
Join Date: May 2005
Posts: 191
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Quote:
Originally Posted by BigNick
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.
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I think the difference will still be less (between final net cash you get) if you add taxes, federal, state, and social security+medicare.
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09-20-2010, 04:05 AM
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#30
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Thinks s/he gets paid by the post
Join Date: Jun 2010
Location: France
Posts: 1,402
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Quote:
Originally Posted by Amethyst
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.
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12-17-2010, 05:14 PM
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#31
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Thinks s/he gets paid by the post
Join Date: Sep 2010
Location: Bangkok
Posts: 1,285
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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.
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12-17-2010, 05:16 PM
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#32
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Thinks s/he gets paid by the post
Join Date: Jun 2004
Location: No. California
Posts: 1,842
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Congratulations and enjoy your free time.
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12-17-2010, 05:45 PM
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#33
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 19,363
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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: 50% equity funds / 40% bonds / 10% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
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12-17-2010, 07:07 PM
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#34
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Nov 2007
Posts: 5,596
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__________________
I purr therefore I am.
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12-17-2010, 07:15 PM
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#35
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Full time employment: Posting here.
Join Date: Sep 2010
Posts: 804
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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. 
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12-17-2010, 07:36 PM
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#36
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Gone but not forgotten
Join Date: Jan 2007
Location: Sarasota,fl.
Posts: 11,447
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Congratulations ! Now throw that alarm clock away !
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12-17-2010, 07:46 PM
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#37
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Thinks s/he gets paid by the post
Join Date: Jul 2006
Location: Denver
Posts: 3,410
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Congratulations!
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12-18-2010, 01:31 AM
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#38
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Dryer sheet wannabe
Join Date: Dec 2010
Posts: 24
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Awesome! Have fun.
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12-18-2010, 05:59 AM
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#39
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Thinks s/he gets paid by the post
Join Date: Dec 2005
Location: Lake Livingston, Tx
Posts: 4,155
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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.
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