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Sarah, you were wise to get it in January as I think it should be good for all of next year as well. Or do you have to wait to get it until February to be good for the following year, I forget. I am sure you know there are some international destinations available now with Southwest. We are...

I agree with Sarah and Chase has been quite liberal in the "churning" game. I think it is American Express that has tightened up recently? One of the things some people neglect in the miles/points game is that using them wisely is as important if not more important than accumulating them. If I...

I can see the sentiment against loyalty programs and can understand why. I am not loyal to any program but have a diversified portfolio of over 2 million points/miles with just about every airline and hotel chain there is including other programs like Barclay Arrival card, Membership rewards...

From a philosophical point I too was motivated by Your Money or Your Life although it lacked practical means. After reading The Ultimate Dividend Playbook among many other investment strategy books, I was convinced this could be done.

Hi everyone. I retired in May of this year at the age of 54 (a month before I turned 55). I was a Chemical Engineer for a pine chemicals company for most of my career and worked mostly in managerial positions. I have not been in a fulfilling position for many years and knew I had to get out. I...

I had never thought of that! Probably because this is the only board to which I have posted. But I see now that if someone disagrees with your opinion you need only come back as several different people and gang up on the "dissenter". How diabolical. I love it!

I guess that is what it comes down to, personality and experiences. I don't think our personalitities are all that far apart as I too am an INTJ, never hesitate to stick it to authorities and also don't like to be pushed around. My experiences have certainly been different, though, which makes...

John, I understand and respect your point of view. However, I do not put Martha in that category of saints. In fact, she knew she was doing something wrong, hence the cover up that led to the trail of lies. Perhaps there are not enough prisons to hold all those who deserve it. Let's fill up what...

This is becoming udderly rediculous!

Not taking away from the thoughtful insight of so many on this thread, but I know of no better quote on this topic. Hurray John!

I thought I read an earlier post that the Japanese beer feed their cows and massage them. TH, you have just shattered my dreams of being turned out to a Japanese pasture.

I know from your earlier posts John that you avoid stocks, so your position may be more understandable. I, however, have dropped 10's of thousands of dollars several times due to not having the insider advantage of those like Martha. The only thing that makes me sick about all this is they only...

I too am an INTJ. It's funny how INTJs represent a small % of the total population (as I recall), but seem to represent a much larger % of the FIRE population. Probably no coincidence.

I too will be faced with the same option. I vote for the leveling option for a couple reasons: 1) I want to be sure I collect at least some of the money. The earlier I get it the more I know I will keep. Uncollected money is in jeopardy due to early death and inflation, which brings me to point...

Such acrimony! Now, to quote my hero (Al Bundy): "Can't we all just get along?!"

Thanks for correcting my spelling (something I have never taken too seriously). Yes, he did die in a fall on ice. I don't put much stock in all the recent news of his obesity and heart disease, especially when all the pictures of him in latter life didn't show him to be obese. I do wonder now...

I got 81.6, but at least I beat Telly! The adkins diet must be killing me. When I change the eating answers I add 4 years to my life. Was Dr. Adkins lying to us before his pre-mature death?

Doesn't the projected GDP rowth rate play one of the more critical roles in all these projections? I read an article today (cnnfn) that mentioned current SSA models project a growth rate of just 2.5%, however, most economists project a 3.5% growth rate in GDP through 2047. A change to a more...

GDER, I hope you have no political influence. :(

Re: SWR, terminal values, TIPS, I-bnds & comm pape I think if I were a cow masseure (sp?), If I weren't FIRE'd I would want to be fired. But now this is getting to be utterly ridiculous.

Sounds like perhaps the worst we might expect come time to collect is perhaps a 25% reduction in benefits (through postponement, reduction in payout amount, or taxes). I think most who ER can probably absorb that loss. (I know there are many exceptions and this is a generalization). I hope they...

Re: SWR, terminal values, TIPS, I-bnds & comm pape To heck with eating the beef. If they are really massaged and beer fed, I want to be one of the cows!

I too am sorry to see you go Ted. What makes this board so useful is the diversity of opinions. I certainly enjoyed reading the quality of your many posts Ted. I will miss your contribution if it is your decision to not post here again.

Re: Golf & the other half I have been a bogey golfer all my life and have also only played on public courses. It costs me about $40 with cart to play 18 holes. So currently the cost to play a round of golf is $40/90 strokes = $0.44/stoke. If I get down to a scratch handicap the cost is $40/72...

One of the biggest reasons I look forward to ER next year is because my children are still at home. I can relate to what Webmaster has to say. As I look back over the years, my biggest regret is all the time I have spent away from home due to work travel. I have missed a very big part of my kids...