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  1. Nightcap

    Early Retirement = Death!

    Here's a particularly specious item from the Wall Street Journal. The scare line: Men have a 20% greater risk of dying if they retire at 62. https://www.wsj.com/articles/why-so-many-men-die-at-62-1518404880 I only have a year to live!
  2. Nightcap

    More Clickbait

    My morning reading turned up an article published in The Motley Fool retirees' dissatisfaction with life after w*rk. I should know better, but I clicked. The first point was that 28% of retirees are unhappy with their lives. I tend to read that as "72% of retirees are happy," but I guess that...
  3. Nightcap

    Real Estate Tycoon

    A unit near ours went on the auction block today. The owners had taken out a reverse mortgage at the height of the market in 2006, but they’re both now in nursing homes and in accordance with the terms, the place being vacant for over a year, it reverted to the mortgage holder. We knew what the...
  4. Nightcap

    Thus Spake Suze Orman

    There is a sickness that befalls pundits: they start believing their own PR. Suze Orman knows exactly when you must retire. Suze Orman Says This Is the Age You Should Retire | Money
  5. Nightcap

    The Future Ain't What It Used To Be

    I have a stoopid question. Yesterday, the S&P 500 closed at 2477.83. This morning just before market open, S&P Futures were listed at +6.00, to 2479.50. When I learned arithmetic, 2477+6=2483. There's clearly some higher order of math going on here, or a fundamental lack of understanding...
  6. Nightcap

    SS Survivor Benefits

    Here's the situation: The Unindicted Co-Conspirator and I earned about the same and will get about the same amount of Social Security benefits. She is three years younger than I, and may outlive me. If she claims her own benefit at 62 and I claim at my FRA, I believe I am correct in assuming...
  7. Nightcap

    Car Dealers

    I brought my 2015 vehicle in to the dealer for a repair (under warranty). While I was waiting, a rather sweaty young man came up to me and introduced himself. He was a salesman, and he really needed my exact car. Would I be interested in selling it and getting the 2017 model at the same monthly...
  8. Nightcap

    Oh, Hi There

    I first signed on to this board five years ago, back when I was just gathering data. I just noticed I never introduced myself. I retired two years ago from the IT department of a major university. The work was often fun, but retraining and re-inventing myself ever couple years was starting to...
  9. Nightcap

    Planning Software

    Before early retirement, I made exhaustive use of online planners, long and complex spreadsheets, and a financial advisor. Now, a couple years in, we're in great shape. I keep obsessively running those online planners (including FIREcalc, ORD, MarketWatch's retirement planner, Fidelity's...
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