Early retirement

An online community to exchange knowledge about FIRE (Financial Independence and Early Retirement), discussing all aspects of early retirement including planning, ...

Could you discuss some pros and cons of early retirement? And how do I evaluate whether I can afford to retire early?

Early retirement reduces benefits. In the case of early retirement, a benefit is reduced 5/9 of one percent for each month before normal retirement age, up to 36 months. ...

Several Bankrate readers also shared their early retirement experiences. ... Extreme early retirement strikes a chord with people now more than in the past, ...

6 keys to a great early retirement. Start thinking now about how to take your pension, set up Social Security and, yes, how you'll spend your time. ...

Retirement forces you to stop thinking that it is your job that holds you back. ... Early Retirement Community- If you are interested in joining an active online community ...

Guide to Early Retirement | Early Retirement News, Retirement Photos, Retire Articles & Blogs

the prospect of early retirement with little or. no reduction in ... fraudulent early retirement pitches, provides tips. on how to recognize and avoid these ...

An agency must request VERA and receive approval from the Office of Personnel Management (OPM) before the agency may offer early retirement to its employees. ...

Learn about Early Retirement on eHow.com. Find info and videos including: About Early Retirement, About Early Retirement, How to Take Early Retirement and much more.

During the Early Retirement Incentive Program (ERIP) discussions, LACERS committed to retiring at least 350 members per month until the 2,400 ERIP ...

Early Retirement - University of Wisconsin System Employee Benefits ... If you've been thinking about early retirement, this question and answer guide ...

Types of Early Retirement Benefits. Your Plan offers four types of early retirement benefits for vested participants who retire before their normal ...

the policy of the College to make early retirement incentives available to its full-time salaried employees ... Early retirement is separate from, and in addition to, the State ...

Here's my story, sorry if it's a bit lengthy. At the tragic expense of my grandfather's sudden and early death, I've recived my multi-million dollar inheritence earlier than anticipated. He was an executive for Warren Buffets Berkshire Hathaway and bought up several hundred shares of stock while they were dirt cheap. My current financial situation is this: A 41 year annuity of $207'000.00 a year (Actually direct deposits monthly.) Also a secluded cabin in the Hawaiian islands as my permanent residence, and 1.5 Million remaining in uncommited dollars spread out in three bank accounts, that will be my retirement when my annuity runs out at the age of 61. As you can see, I'm a 20 years man and set for life. Further more, and you can correct me if I'm wrong about this, that's why I'm here asking, but it would seem that I have nothing to lose when I go in for my final check. You see, a week from this friday, I go in for my final check. I am assistant manager at a golf course and absolutly despise the boss. She has made the last year of my life miserable, and instead of going out with a handshake, I'm thinking of going out with a literal bang. Because, I live in Pensacola county Florida, and my flight to my new life in Hawaii is 11am a week from friday in Tampa. So, two hours before the flight, I get there at opening at 9am, noone else is there, I get my check, rough her up a bit then high tail it out of there. This is my opinion: Even though Tampa, the location of an airport is a neighboring county, the process of extradition remains nonetheless. So, even if she can tell the police I'm there (Which I do not believe she would know), there would be way too much legistical stuff to be able to get me before the flight takes off. (Even if they did, i could pay my bail, then leave, and consider it worth it.) As single mom collecting child support, we can rule out her suing. She would not only have travel expense that she likely cannot afford, but there's absolutly no way on earth she can afford an attorney who can take on the one I hire. Not to sound like I'm gloating, but I can afford any attorney on earth, she cannot. Expect her to not even consider civil action. I don't like her attitude, but she's not downright stupid. Last but not least, this IS a repost. I'm asking again because last time everyone was talking about extradition. Consider it this way: The DA is going to pay out of his budget, provided by taxpayers, to have me extradited all the way back from Hawaii over a simple assualt charge. He's gonna cover the expense of my arrest in Hawaii, and pay to put me on a plane, and fly me halfway across the pacific just to get to the west coast, than transfer planes on or two times back to tampa? Simple assault charge? I think we can rule out extradition of that distance for 90 % of all crimes. So, am I foolproof. Pea pod: I have to be tried in the county in which the crime was committed. Perhaps your not a US resident, but here that's the way it works regardless of what country's "soil" I'm on.

my siblings and i are trying to plan my mom's retirement party but are stumped on where to have it. i was sure that i was planning this early enough but i am finding that graduation parties are taking up space. can anyone help me with a great idea on where to have it?? thanks!!

I am an Indian national. I am in my early twenties. I have a Masters degree in Information Technology. I am planning to work in Jordan soon. Once I retire, I want to live in Jordan permanently. But I'm worried as to whether it is possible for a foreign national to live in Jordan permanently after retirement? Is it possible for me to live in Jordan permanently by marrying a Jordanian citizen? Is there any other way? Please explain.

I am not to proud to admit that September 16th will be a very sad day. We will finally see Discovery lift off for not only her final voyage, but the shuttle fleets final voyage. But you know what I am not looking forward to even less than this, July 29th. Why? because its the last time the baby, the little one Space Shuttle Endeavour takes her final journey which will be heart breaking. I remember May 1992 when she made her first flight, although sad as she replaced Princess Challenger (may they RIP) she instantly become may favorite to watch, and every time she went up i remember saying and still do to myself "Challenger this is for you" So although it is one from last, and I think it is only right that Discovery make the last journey. I can honestly say Endeavour, it may be early but God speed, and once landed know you have earned your retirement. Does anyone else have a story, or opinion to share regarding watching their first shuttle launch? will you miss the days of watching your favorite shuttle take flight? Do you think they will ever be brought back out of retirement? - My dream. To one day stand enough to Endeavour and have a photo taken next to her.

A leading House Republican on Thursday predicted more retirements from Democrats and did not deny that the GOP is recruiting additional Democratic lawmakers to switch parties. Rep. Kevin McCarthy (R-Calif.), a top deputy to House Minority Whip Eric Cantor (R-Va.), said during a breakfast sponsored by the Christian Science Monitor at the St. Regis Hotel that there would be more Democrats to step down as election filing deadlines approach. http://www.politico.com/news/stories/0110/31784.html#ixzz0hghU7r1g

I heard that a person can retire and receive early social security before the average age of retirement if he's contributed twenty somewhat years. Does anyone know the details?

I've recently been informed that the Obama administration has changed the rules regarding early withdrawals from a 457 retirement plan. A coworker has informed me that he has borrowed from his 457 plan as well! Is this now an option that anyone can choose? Do I initiate the withdrawal from my employer, or the company holding my funds (ICMA) ? Please help. Thanks!

I work in telecom in Texas, and my current employer has occasional "early retirement packages" where I can get a lump sum payment and uncontested applications for unemployment benefits if I voluntarily terminate my employment (like say, if my position is moving to an office out of state, etc). I am pretty sure you can't apply for goverment student loans while receiving unemployment checks, but would it be possible to pay out of pocket for community college or re-training while I am on unemployment? I thought I remembered a law against this the last time I was laid off (mid 90s). Thanks for any info.

So say a guy serves in his branch for thirty years. He's got a degree. What does he do when he gets out? Do a lot of companies hire late-40 early-50 year olds with no experience but what they did in the military? Would the retirement pay from his career be enough to live off of without another job? I suppose I'm a bit confused as to what a career guy does after he serves.

*Battle of the Animals: Two of your brands most vicious animals have singled you out for destruction. Oh, and they want your championship. Expect plenty of brutality and Mr Mcmahon thinks you dont stand a chance. *Gladiator: Mcmahon wants the brand toughened up with brutal matches and humiliatingsituations and with ECW as his own enforcers he just my get his way. *Respect: you must earn the brands repect by first earning it from a real hardcore hard case. theres a legend in the making willing to help you Can you trust him? *A Woman Scorned: The number 1 contenders girl wants to get with you. *Lone Ranger:Foley comes out of retirement for the title. When Foleys ECW running buddies interfere will it cause a truce between you? *When hollywoods collide: Stephanie McMahon auditions you and someone else for a movie. You get screwed but your GM knows a certain Electrifying Superstar in Hollywood. (Maybe the rock finally has speaking parts) *Big Brutus:Rival brand offers you help to keep the title as long as you jump to their brand. *bully: Prove you are the big dog to get the title. *Stephanies Court of Queens" Divas flirt with boyfriends and you wind up involved. *Married And Buried: Stephanie McMahon wants you and what starts as a walk down the aisle ends up a buried alive match as Mr Mcmahon doesnt want you in his family. *Boot Camp: ECW's Tommy Dreamer becomes Raw's GM and wants to toughen the brand up with some hardcore management. *Lashing Out: One ECW superstar has decided that domination of his own brand isnt enough. He wants to decimates yours too. Can you pcik the right partners or end up alone to fight? *Queen for a day: The queen diva of the brand has no doubt that her king will emerge victiorious with your championship, but she cant wait. When the gold gets stolen you lead a one man revolution. *Diva Search: A friend of yours is passed over for the numer 1 contendership spot at the PPV. Hes okay until his girl wants you. Can you get the girl, beat your best friend and become champion? *Diva Contract Switcheroo: ((I hope this isnt a candice 07 storyline)) A group of witchy divas mesmerize your GM into giving themm blank contracts so that they and their boyfriends can run the show. *A house divided: You side with Shane against Vince. *Running the Gauntlet: Vince puts you against all brand superstars in gauntlet match, but shane is there to help you. *Battle of the brands: With survivor series coming, Mr Mcmahon supports a rival brand, Stephanie is willing to lend you her ECW recruits for help. *The Legend of Mr McMahon: At the urging of ECW GM, Mr McMAhon inducts himself into the WWE Hall of Fame. His kids are ****** and want you to ruin his party. *Money in the Bank: MITB comes early at New Years Revolution. If you win you are guarenteed a title shot but you can also take it at the next PPV right after the current champions title defense. *This is Hardcore: ECW's GM urges mcmahon to ressurect the Hardcore Championship and decides to let you compete for it. Fight alongside vinces kids to embarass Vince and walk out the Hardcore champ. (HARDCORE CHAMP IN SEASON :D) *War of Kings: Vinces kids recruit you and a pair of kings to dethrone VInce. But Vince finds out and they blame the whole thing on you. now the kings are against you alongside all three mcmahons. Barbarians at the Gate: When Vince finds out his kids are conspiring, they blame you and he decides to take it out by demolishing your brand. Lead a group of wrestlers to take them down. *Super Natural Selection: When smackdown GM objects to Vinces plan to use smackdown superstars to take you out, hes places on indefinite leave and replaced with Steph who puts you against someone in a hell in a cell. *No Way Out Alive: Raws GM has no problem using his stars to help take you out for Vince. Face one of his toughest stars in a steel cage at the PPV *Mr McMAhons enforcers: RAW GM is replaced with Shane O who teams with VInce and Steph to use all brands to take you out before wrestlemania. The Ex GMs May be some help. *Total Elimination: Shane is RAWs GM and offers the champ to beat you down before wrestlemania to ensure a victory but the champ refuses. Team with the champ to take out Shane and his henchmen before wrestlemania. Thats the one's I know about and hoave found a few glitches already: * I was Edge, and was sent an angry e-mail... rom Edge. Next thing I know I'm having handicap matches: Edge vs Mr Kennedy and Edge ?? * I keep getting e-mils saying "the most electrifying man wants to make a movie with you" or "The peoples champ and you make the next hollywood blockbuster". WOW, Roddy Piper and Edge feature: "The Piper and R Connection!" * Simulation of a year which we know about * Coach asked me if I wanted to go to Raw. I said Yes, get that, YES - Y-E-S. The next week on Raw, Coach and I are in the ring, and Coach says, "I'm sorry, I know what you tol

of lefty be 8yrs earlier? blackan check it its a fact http://www.stumblerz.com/the-life-of-left-handed-is-shorter-than-the-right-handed-is-this-true-or-a-myth/ bty i got that info from bbc radio2

Three different people in their early 20s ask questions on Yahoo Answers. For the purpose of the question, assume that they all start with the same amount of money in 2010. Based on their questions, what do you think the net worth each of them will be 5 years from now? What about 10 years from now? Person 1: "How do you adjust for inflation when calculating compound interest?" Person 2: "How much would my payments be a month on a 2009 car?" Person 3: "How can I start to build my credit, and what is the best way?" Guess the three different people's net worth 5 years from now, 10 years from now, and 40 years from now at retirement. What can you tell, if anything, about their personalities? What's your reasoning?

I did receiv a lump sum of money from a QDRO. They deducted 20% Fed & State tax. I am going to file my income 2009 income tax. Do I have to pay 10% penalty on this also? According to IRS Site if judge order QDRO then I don't have to pay 10% early withdraw penalty. Is this true? "Retirement Topics - Tax on Early Distributions Generally, the amounts an individual withdraws from his or her IRA or other qualified retirement plan before reaching age 59½ are called ”early” or ”premature” distributions. Individuals must pay an additional 10% early withdrawal tax and report the amount to the IRS for any early distributions, unless an exception applies. Exceptions: There are several exceptions to the age 59½ rule. Even if individuals receive a distribution before they are age 59½, they may not have to pay the 10% additional tax if they are in one of the following situations. * They have unreimbursed medical expenses that are more than 7.5% of their adjusted gross income. * They are disabled. *The distributions are not more than their qualified higher education expenses (IRA only). * The distribution is made to an alternate payee under a QDRO

I found out about Jake early this morning,still a little sad. Good luck to Jake.

And how is this effecting Obama's decision making? Excerpts: Unions have been the fiercest proponents of the Obamacare have been the Unions. Andy Stern, head of the SEIU has been to the White House more than any other visitor. Some commentators have reported that's Stern's constant trips to the White House is due to his participation in reviewing the basic components of the health care bills as they are developed by the houses of congress. Why is this particular legislation so important to the unions? Because the unions pensions plans are woefully underfunded. The hope is once Obamacare is passed union workers will eventually be shoved over to the co-ops (or an eventual government option), freeing up union cash to help with the pension program. As of this very moment the administration is working on a plan to give preference to Union Shops for ALL federal contracts. The proposal, dubbed the “High Road Contracting Policy,” was first reported by The Daily Caller in early February. According to multiple sources familiar with the discussions, the proposal would give preference to government contractors that pay their hourly workers a “living wage” and provide additional benefits such as health insurance, employer-funded retirement plans and paid sick leave. In other words, they will be "cutting out" the non-union shops and raising the price of jobs, and increasing the federal deficit. In your opinion, is Obama being used as a catalyst to cover up for the union bosses and their poor judgment and are we as tax payers going to get stuck picking up the tab? Here is the article along with a list of 108 union plans that aren't looking too hot: http://yidwithlid.blogspot.com/2010/03/how-coming-union-pension-plan-collapse.html

Here's my story, sorry if it's a bit lengthy. At the tragic expense of my grandfather's sudden and early death, I've recived my multi-million dollar inheritence earlier than anticipated. He was an executive for Warren Buffets Berkshire Hathaway and bought up several hundred shares of stock while they were dirt cheap. My current financial situation is this: A 41 year annuity of $207'000.00 a year (Actually direct deposits monthly.) Also a secluded cabin in the Hawaiian islands as my permanent residence, and 1.5 Million remaining in uncommited dollars spread out in three bank accounts, that will be my retirement when my annuity runs out at the age of 61. As you can see, I'm a 20 years man and set for life. Further more, and you can correct me if I'm wrong about this, that's why I'm here asking, but it would seem that I have nothing to lose when I go in for my final check. You see, a week from this friday, I go in for my final check. I am assistant manager at a golf course and absolutly despise the boss. She has made the last year of my life miserable, and instead of going out with a handshake, I'm thinking of going out with a literal bang. Because, I live in Pensacola county Florida, and my flight to my new life in Hawaii is 11am a week from friday in Tampa. So, two hours before the flight, I get there at opening at 9am, noone else is there, I get my check, rough her up a bit then high tail it out of there. This is my opinion: Even though Tampa, the location of an airport is a neighboring county, the process of extradition remains nonetheless. So, even if she can tell the police I'm there (Which I do not believe she would know), there would be way too much legistical stuff to be able to get me before the flight takes off. (Even if they did, i could pay my bail, then leave, and consider it worth it.) And, although a state wide warrant for my arrest would be issued (And as a person who interned for the DA in high school I know it would be only statewide) it would not affect me anywhere else. I can guarantee that the DA's office will not pay precious money out of their budget to extradite me all the way back from Hawaii over a simple assault charge. Also, she's in no position to sue: My annuity and my bank accounts except for one small one is all Swiss based. Will SOME Swiss banks disclose the accounts existance? Yes, but I'm not concealing them anyway, and they still will NOT aid any US court or IRS in freezing, garnishing the funds in any way. Plus nonpayment is judgement is not a criminal offense, it's civil. But even before that, she knows who can afford the much better attorney, and suing across state lines, plus the travel expenses of coming to the islands, simply costly to the extent that it wouldn't be in her udget. I hate her, but stupidity is not the reason. She's smart enough to realize what I just said. Without lectures, without telling me to get over it and enjoy my new freedom (Believe me I will afterwards) am I foolproof? A week from today I should say

I'm 21, and I'm trying to decide between working my butt off for 5 to 10 years (from age 21 to either 26 or 31) and putting 100% of it into a mutual fund, or going to college for 4 years then doing the same type of thing for 5 years (from 25 to 30). The sooner I can get the money invested, the more time it has to grow with compound interest, meaning I need to start now. But without a degree, I could probably only make about $20,000 to $30,000 at best. Whereas with a college degree, I might be able to make $50,000 to $60,000 and invest more of it, and/or maybe have money left over to rent a small place of my own. Anyway, I'm asking this question to people in their 30s and older, since I want to know: What was your youth worth to you? In other words, would I be more likely to regret not having more fun in my 20s, or would I be more likely to regret that I didn't have half a million dollars in the bank by 30 (which could grow to $7 million or more by retirement)? I'm female and single with very little relationship experience, if you want to factor in society's age discrimination into the equation for quality of life, relationships, etc. Should I go to college and then start investing, or invest for 5 years and then go to college at 25, letting the money grow interest? Thanks. Compound interest calculator: Option 1: Invest $30,000 a year from age 21 to age 26, then enroll in college. Would have $200,000 by age 26, which would grow exponentially to about $6 million by age 65, even if no more money was added, and about $10 million if $10,000 a year was added from age 26 to age 65. Option 2: Don't invest anything yet, go to college until age 26, and then start investing $30,000 a year for 5 years, and $20,000 a year after that until age 65. This would leave me with $200,000 by age 31, and about $8.5 million by age 65. Option 3: Go to college for 8 years instead of 4, and start investing $50,000-$100,000 a year at age 30. This would leave me with about $700,000 by age 35, and between $16 million and $23 million by age 65, depending on if I invested $50,000 or $100,000. In other words, is it better to have tens of millions of dollars by your 60s, or is it better to have a couple million by late middle age, or is it better to have a few hundred thousand to about a million by early middle age? How much is youth worth? Molecular: Which option are you saying I should go with? I'm trying to factor in the value of youth, also, rather than just cold numbers by 65.

Here's my story, sorry if it's a bit lengthy. At the tragic expense of my grandfather's sudden and early death, I've recived my multi-million dollar inheritence earlier than anticipated. He was an executive for Warren Buffets Berkshire Hathaway and bought up several hundred shares of stock while they were dirt cheap. My current financial situation is this: A 41 year annuity of $207'000.00 a year (Actually direct deposits monthly.) Also a secluded cabin in the Hawaiian islands as my permanent residence, and 1.5 Million remaining in uncommited dollars spread out in three bank accounts, that will be my retirement when my annuity runs out at the age of 61. As you can see, I'm a 20 years man and set for life. Further more, and you can correct me if I'm wrong about this, that's why I'm here asking, but it would seem that I have nothing to lose when I go in for my final check. You see, a week from this friday, I go in for my final check. I am assistant manager at a golf course and absolutly despise the boss. She has made the last year of my life miserable, and instead of going out with a handshake, I'm thinking of going out with a literal bang. Because, I live in Pensacola county Florida, and my flight to my new life in Hawaii is 11am a week from friday in Tampa. So, two hours before the flight, I get there at opening at 9am, noone else is there, I get my check, rough her up a bit then high tail it out of there. This is my opinion: Even though Tampa, the location of an airport is a neighboring county, the process of extradition remains nonetheless. So, even if she can tell the police I'm there (Which I do not believe she would know), there would be way too much legistical stuff to be able to get me before the flight takes off. (Even if they did, i could pay my bail, then leave, and consider it worth it.) And, although a state wide warrant for my arrest would be issued (And as a person who interned for the DA in high school I know it would be only statewide) it would not affect me anywhere else. I can guarantee that the DA's office will not pay precious money out of their budget to extradite me all the way back from Hawaii over a simple assault charge. Without lectures, without telling me to get over it and enjoy my new freedom (Believe me I will afterwards) am I foolproof? PS: I should mention that the bank accounts are Swiss based, and while they now disclose the existents of accounts to the IRS, they will not freeze/hand over any money. Plus the State of Hawaii SC has ruled that annuity funds cannot be touched for judgements/law suits. So she can't collect on anything if she sues, and failure to pay judgements is civil, not criminal. She would quickly find that out and not even waste money trying. Plus I hope she has a very good attorney, I don't think there's one I couldn't afford.

The Baby Boomer generation was born between 1946 and the early 1960's. Those people enjoyed prime working years during both the Reagan boom-times and the Internet Revolution of the 1990's. Therefore, they should all be sitting on massive fortunes from their investments and other financial instruments which they accumulated back when they were in their 30's and 40's. And yet, on the news, they had a report about people in the Baby Boomer generation who were relying on food stamps and unemployment insurance to survive. WTF????? There is NO REASON for ANY Baby Boomer to EVER be poor! They ALL got rich off the Reagan/Clinton eras! What kind of scam are these people trying to pull. Give me ONE SINGLE REASON why someone from the Baby Boomer generation would lack money? I'm only 28, but I already have substantial retirement savings. But then again, I am not a mentally retarded spendthrift who chooses to burn his money in open pits of fire rather than invest it sensibly.

I'm 19 years old presently pursuing an engineering degree. I know I am young but the earlier I start, the more I can make in the end. From what I've learned, the traditional IRA would be better for me because contributions are tax deductible, and I would think that that's a definite benefit for a student working part-time. Also, as I expect to fall into a higher tax bracket at my retirement, I should switch over to a Roth at some point. That point, I figure, would be around when I am going to graduate school. Traditional IRAs allow for early withdrawals if they are for the purpose of higher education, so after I finish grad school, with the help of my IRA contributions to date, I can then switch to a Roth IRA. Is there anything wrong with this plan, or a better way to go about it? Do traditional IRAs require a minimum 'seasoning period' before even early withdrawals can be made? Is there a minimum age, Adjusted Gross Income or annual contribution to even qualify for an IRA?

Not really, but now that Crosby is a new member of the triple gold club(gold at juniors, oylmpic, stanley cup) whats left for Crosby to do? He accomplished so much at the age of 22! He can retire and will be rich as he still has endoresments and help kids develop the game of hockey. If you were crosby, would you retire early?

My husband and I are both around 40 years old. We each have 2 children from a previous marriage and have good, stable jobs. We've been married for almost 10 years. My husband is from another state and we will be the same distance from his family if we move. I am from this area. My parents, aunts, uncles, etc are from here. I am an only child, so my kids don't have any aunts and uncles, but they do have a very close relationship with my parents. The kids are optimistic about the possibility of us moving. We live about 4 hours away from the coast and visit as often as we can. Both of us feel most at home near the ocean. We visit 4 or 5 times a year, but it isn't the same as living close by. A few months ago we made the decision to moves near the beach in 2012. We have to wait at least that long due to custody issues with the children and because we will have our cars paid off by then. In 2012, 2 of the kids will be adult and y two will be in their early teen years. There are no custody issues with my chidren. Also, by waiting another couple of years we can save up to make the move less stressful financially. Part of me is wondering, though, if it is selfish and immature to plan a move like this. The other half of me believes you only live once. We could plan to wait until retirement to move, but what if we don't reach that age? You never know what will happen. I just wonder what other people think. Should we consider this just a pipe dream, or something that we can plan and accomplish as one of our life's goals?

I know a little bit about banking/investing/retirement accounts, but honestly not much about the Roth IRA's which everyone tells me to start setting up. My husband and I are 23 and we're a military family. We already have our TSP set up with a few grand in and currently have a little over a hundred every month being contributed. I also wasn't sure if I should keep it at that amount or be contributing more? With Roth IRA's what fees are involved, how much should I contribute each month, what are the policies for early withdraw if that is even an option, best banks to go through and on and on? When I actually go into the bank I want to know better what they're talking about so I can make a more informed decision so any help from you, or links to great articles are greatly appreciated.

So I'm about to turn 16 and need a job. They semi encourage it, the only problem is I play Lacrosse and don't get done practice until 6:30. I don't have a car as I only have a permit and I have to hold a permit for a year before I can drive by myself...So that won't be until December. So, my question is do you think my mom will mind picking me up around 12AM should I get a job? **Keep in mind my mom took a early retirement, and doesn't work.

Joytown has a present population of 40,000 and the population is increasing by 2.5% each year. How long will it take for the population to double? Round your answer to the nearest year. After working for 25 years you would like to have $80,000 in an annuity for early retirement. If the annual interest rate is 7.5%, compounded monthly, what will your monthly deposit need to be?

If you apply for a Marriage license in Kentucky, they ask you if you are 3rd cousin or less!!!! Call Henderson County Court House and ask them, I have been married there 3 times. It's a quick marriage get the license and cross the hall and get married all for 60 dollars. I lived in Evansville Indiana all my life untill last year when I took Early Retirement with my 4th wife. So let's explore this Mostly Whites recieving food stamps and they have to ask them if they are cousins before they marry them Republican Obama haters on food stamps!!! Hey Billy if those black @ss ****** wouldn't gen dem food stamps we could get a raise!!!!! LOL

I am a elementary teacher in NY, and was hired with my school district 30 years ago. I got ten year and was then laid off 2 years after I was given ten year. I came to find out that I was laid off because a new administrator and I got in a fight years earlier outside of work. Also, I was the first to be laid off and that shouldn't have been because I had seniority over 2 other teachers, who were never fired. In turn I hired a lawyer and got my job back 5 years after being fired. In that meeting about 15 years ago, promises were made by a judge that stated I wouldn't lose years in my retirement, social security, level of pay grade, and the school would have to pay me a settlement. The school paid me the settlement but now that I am looking into retirement I realized that the school didn't fulfill the court order regarding the other three issues. I went to my union president and they were not interested in what I had to say. I am wondering if I have waited to long, or if I should seek to hire a lawyer.

We both withdrew money before the retirement age. An estimated federal tax was withheld (20%) and then when we filed for our federal taxes this year and additional 10% was taken for penalty of early withdrawal. I am now doing our state and local taxes and don't know if we owe on these as well. I am doing the returns online and from what I get, we WILL owe state and local taxes but I am not sure if I am doing these right (if I am supposed to list this income) Is it common to owe state and local taxes as well? It seems like a lot of money is being taken by the government for withdrawaling our own money early because we needed the money.

A friend's mother recently died. He is her last living heir and thus inherited all of her life insurance, money in the bank (she had just retired and received a large severance for early retirement,) and her house which had just begun the process of foreclosure. A few questions. Can he just let the house go...take the things he wants out and let it be foreclosed or will the money that he has in the bank from her insurance and severance be seized for collatoral (she had several mortgages...not sure if that is relevant.) Also, the money that he acquired would surely put him in a higher tax bracket. Is it more reasonable in this market for him to buy a small house (instead of paying rent) or to invest the money in mutual funds? He does not want his mother's house as it is in a poor location and is way to large and fancy for him (he is only 22.) A few details: He lives in NC and the inheritance is just about the same as the appraisal on the house. Thanks for any help you can give us!

After decades of working for a large corporation my husband was forced to take early retirement in Nov. 08, due to corporate downsizing. He gets a decent pension, but has been trying to find a new career (in a very bad job market). I think he's feeling useless right now. He's angry about the situation,and seems to be taking his frustration out on me. Even asking an innocent question such as, "Can I fix you a cup of tea?" Is usually met with an abrupt "No!" Consquently, I spend most of my time (when not working) hiding out in the den with my computer, watching TV or reading. I'm afraid to even talk to him these days. It sucks. He's irritable and snappy. No matter how nice I am, or how helpful I try to be, he reacts with silence or snaps my head off. This is a 50 year old, well-educated man who acts like a childish brat, throwing tantrums and snapping when things don't go his way. His specialty is the 'silent treatment' which can go on for days. When his buddies come to visit, he's a totally different person, laughing and joking. They'll go for long motorcycle rides, enjoy nice meals and hit the local pub to watch sports and talk S***. I'm ok with this, b/c it gets him out of the house and releases some of his stress... what bothers me is that he treats his friends with the kindness that he should be showing me. I've asked him if he's unhappy, or wants a divorce, and he says no. He claims that he loves me very much, but it sure doesn't feel that way lately (we've been married 11 years). I'm sure he'll pull through this eventually, but it's causing me a great deal of anxiety and depression. I also suffer from chronic, physical pain, which is only exacerbated by stress. I'm miserable b/c the person who is usually my best friend, is suddenly this grumpy, rude bastard. Should I just continue to ignore him and keep my mouth shut until the storm passes? Will the storm pass? Or are we headed for divorce? Anyone who's been in a similar situation, please write back with advice or your own personal story (serious answers please, things are difficult enough right now). Thanks in advance.

My roommate has a gambling problem. I have been living with her since 2007. She gambles all her money then looks pitiful. I didn't realize how bad it was because she never complained about bills being late or anything. So I would pay my rent in advance so she won't be behind on mortgage or on bills. But only thing I retired in 2009 and have bills I have to catch up on plus I retired early so my retirement check isn't that much. We were trying to help each other financially that's why we agreed on this living arrangement in the first place. I have been dipping into my retirement savings to pay rent in advance to help her stay afloat. I notice when she goes to her favorite spot she even hits and gives it back then comes home flat broke then she will play the casinos (free or with money I don't know) on the computer (I have seen her). I don't know what to do anymore because right now I can't afford to move. I have talked to her numerous times about it but she still sneaks and does it. We are both older adults. I suggested that she pay her bills first then whats left over. Im stuck any suggestions. I already suggested Gamblers Anonymous. She is in denial.

we're in our mid 50's and want a nice quaint artsy town within an hour from west palm beach, florida.. need to be near parents but don't want all the elderly and strip malls

I'm 62 and if I don't take early retirement but wait to take Social Security Retirement and then die at age 64 or 65, will my wife get more because I waited?

He has had several other opinions and even had a spinal cord stimulator implanted and is in such pain he does not get out of bed most of the time. He was forced to take an early retirement and this is a man who worked for 30 years at the same job. He used to take yearly fishing trip with my brothers and hasn't done that since. He just recently seen a doctor who is rated in the top ten in the nation and this doctor is concerned he then refered my father to his assistant who said it was a siatic nerve problem and my fathers pain is in his hip not his back please if anyone can help we need it.

My husband was laid off in April of 2009 and has been on unemployment benefits since May. To keep our heads above water and pay some medical bills, we had to cash out his 401(k). While filing his weekly claim it does ask something about receiving retirement or pension. I understand the 20% taxes withheld by the IRS, and the state taxes withheld, and the fact that there is a 10% early withdrawal penalty because we are under 59.5, but need to know what this will do to the unemployment. By the way, the money was taken out in 2009. Thanks for any help.

here's my plan There are about 40 million people over 50 in the work force.. Pay them $1 million apiece severance for early retirement with the following stipulations: 1) They MUST retire. Forty million job openings - Unemployment fixed. 2) They MUST buy a new American CAR.. Forty million cars ordered – Auto Industry fixed. 3) They MUST either buy a house or pay off their mortgage – Housing Crisis fixed. It can't get any easier than that!! P.S. If more money is needed, have all members in Congress pay their taxes... Mr. President, while you're at it, make Congress retire on Social Security and Medicare. I'll bet both programs would be fixed pronto! just having fun today i copied and pasted a email ,and no ididnt convert to a liberal. but i do like the idea of having congress pay their tax and retire on medical and social security

Inspired by an earlier question about the gender difference in auto insurance rates, the answer seemd to be that male-caused accident payouts are higher (for whatever reason), thereby justifying higher insurance rates. That is, men are the higher pay-out risk. Let's apply that reasoning to the U.S. Social Security Insurance Program. Originally conceived during the Depression, the Social Security Insurance Program was designed to provide some kind of post-retirement insurance that you would have some level of income after retirement (if you lived that long, which is why it is an insurance program). However, women live longer than men (in the statistical sense). And, on average, women recieve nearly twice as much social security income as men (per dollar payed into the program). Should women pay roughly double the rate that men pay to cover this higher "payout risk"? Curiously, I have never heard a feminist complain about this Social Security Insurance rate inequity, though I have raised the above question with feminists many times. Why, I wonder, is that? Mama Outlaw: You are right about the payouts being very low for poverty stricken people. That is because the original conception was that it is an insurance program, and payouts are proportional to pay-ins in insurance programs. Should it be reformed? Many argue yes, but that would be a very tough political battle.

Dennis Kucinich, D-Oh has suggested a million people be allowed to take early retirement at age 60 instead of waiting for age 62, creating a million new jobs. What would that program do to the deficit of the Social Security Administration? Small short term Increase in their deficit or Big long term decrease in their deficit?

suggested by Dennis Kucinich, D-Oh, a million people retire at age 60, qualify for Soc Sec benefits as if they were 62. How much would a persons social security benefits be reduced if they took the deal? # sorry, I should have made this part more clear: Dennis Kucinich is suggesting a special rule be passed to allow a million people to retire within a determined six month period; those people would be treated by Social Security just as if they were 62 years old and would qualify for early Social Security retirement benefits.

Does this sound like a great idea: a million people would take early retirement at age 60, receive Social Security benefits as if they were 62 years old, as Dennis Kucinich, (D-Ohio) suggests, do you think: it would create a million jobs to be filled and reduce the unemployment rolls? or Would business use the opportunity to reduce their work force expense and not fill many of those jobs, using 'attrition of jobs' rather than lay offs? The retirees position would not be filled until business reached a higher level of sales/need; other existing employees would share the duties of the person retiring. The jobs wouldn't be gone therefore the jobs of the early retired employees, not filled, would never show up in the unemployment figures. Good Idea? Do you think this would create a million new jobs?

Dennis Kucenich (sp) is suggesting a window of opportunity for people 60 years old to take early retirement on Social Security, giving those people the same Soc Sec benefits as if they were 62 years old. He suggests restricting the program to one million applications during a six month period. His thought is, a million move out of the work force on top and make room for a million replacement jobs to be created. Pretend you are 60 years old, put a pencil to the figures, would that be a good choice for you?

Willy Loman, the main character of our play, is a traveling salesman near retirement age. He comes back early from a business trip in New England after almost crashing – intentionally – at Younker’s. Willy’s wife, Linda, tells Willy to ask his boss, Howard Wagner, to give him a job closer to where they live in Brooklyn, since she is worried that he may become depressed enough to kill himself as a traveling salesman. Willy agrees and decides to talk to Howard, since he thinks that there’s no way Howard can pass a request from a man as good at his job as Willy (who, in reality, is not good at his job). We then learn about Willy and Linda’s unsuccessful, thirty-something sons, Biff and Happy. Biff works as a farmhand in the West, making only $35 a week. Willy thinks Biff has what it takes to make it in the business world, but is too lazy to pursue a career. Biff’s younger brother, Happy, is working as an assistant to an assistant, although he overestimates himself and falsely tells his family that he is assistant to the boss. Willy mysteriously starts having flashbacks of his life and sons, and talks to his flashbacks, thinking that they really exist. From talking to his flashbacks, Willy wakes Happy and Biff up. They are concerned for Willy, who they have never seen acting so strangely. Biff decides to make more out of his life, and comes up with the idea of starting his own business with the help of former friend and former boss Bill Oliver. Willy continues to talk to himself late into the night, and keeps everyone up. Linda tells Happy and Biff about Willy’s suicide attempts with his car, caused by his depression over the family’s financial problems. However, she also accuses Biff of causing Willy’s suicide attempts. Willy enters, and immediately starts accusing Biff of the family’s strife. Willy and Biff get into a long, strenuous argument over the issue, which finally ends when Happy informs Willy of Biff’s idea to open a sporting goods store after talking to Bill. Ironically, the argument and the day ends with Biff and Willy at their highest points in the story, both expecting great things in the day to come.

Hello, am looking for anyone who knows of any groups or forums my mum could join. mymum suffres from glaucoma,and lost her sight in one of her eyes.and now is slowly loosing sight in her other eye,to make things worse,she has got catarract coming over it. she is 54 and had to take early retirement a few years back. I wouldlike to know if there is groups out there,which mmum could possibly find others like herself,maybe a freind out of it. i do help my mum out alot,care for her etc,,if anyone knows anything feel free to get in touch. thanks x

Too many people plan a life for after retirement where they get to do all the things they have always dreamed of. Only to discover, that by the time retirement came, they didn't have the health to follow their dreams. It was all for naught. I'll always remember going to the home of a man who died with my father. The man had dreamed his entire life of going fishing. He had retired and purchased a travel trailer and new truck to haul it with. He took it out one week-end for a shake down trip. Then he died the next week. It seemed like a terrible shame to me. If you could, would you take early retirement and follow a dream? What would you do?

I recently bought a few completely loaded 10 gallons, filter, rocks, decor, hoods, fish and all. They were basically all goldfish, so I took them out earlier to put them all in a big tank that has been looking for some fish in a retirement home. My 10 gallon is now getting cloudy, with only 2 strawberry tetra occupying it. I just did a water change yesterday, so the water isn't dirty. Im just not sure why its getting cloudy, since the tank is fully cycled (its been running for like 2 years). any answers? thanks Its white cloudyness, and when i bought the tank, the tetra were with the golds, i think it may just be a bit too much food from being left over from the golds.

im 17 and in the 11th grade, i recently got my SSA check put in my name so i get it. i live on my own. i am trying to graduate early, hopefully by the beginning on next year (im graduating over the summer) when will i stop getting my check? since i am not really gonna be in school next year.. help im a little confused..

They will not be waiting till 70 years of age for 100% public retirement, like social security recipients.

i was trdl for 2 yrs, the med board found me fit for duty adn i thought i took the early retirement i had signed for back in early 94. now i am told that the af med board retired me at 60%. i have never heard of that back then. was this true that they could do that back in the 90"s? if not how do i get the code changed on my retirement? PLEASE help me this is super important! thanx ok, i signed up for the early retirement in 94 and it was approved, not cuz i had to but i wanted to. within appr. 70 days before retirement was to start i had heart failure. went on tdrl in dec 94. in dec96, was med boarded and foudn fit for duty. i chose my original early retirement under the tera instead of going back to duty. my dd214 shows tera, honorable discharge. now, when i am 100% va disabled, i cant recieve the concurrent retirement and disability due to the code entered for retirement. dfas told me that i was med retired with 60%. no one ever told me that before. i am trying to get the code changed due to the fact that i took my origannly dated early retire from 94 in 96. what i have read after research is that i would have had to request and fill out paperwork to take the early retirement in 96. i hope this makes more sense. if not pls let me know and i will try to explain better. i am waiting for a copy for my 96 dd214 now for more info. thanx & hope you can help me.

in order to run for parliament? http://www.colombopage.com/archive_10/Feb1266426209CH.html It is another major conflict of interest to be running for office and at the helm of state media especially when in the recent elections over 90% of media was directed to the incumbent. There is also great issues with threats made to the Theros regarding holding a convention regarding current State of the Nation and also of taking security away from ALL opposition politicians whilst redoubling the grip of what has been referred to as "state-sponsored terror" The actions of the State under the administration of Mahinda Rajapaksa is not only a completely illegal government that is in full violation of chapters of the constitution but they are touting peace through further marginalization. There is no forgetting that over 50,000 people were tortured, killed and disappeared at the JVP conflict - what is the purpose of recreating such a situation again? Mahinda Rajapaksa has stated that his administration does not promote caste based politics or policy but the rate at which his administration has unfairly promoted their own unqualified people and now is once again marginalizing the very group of people that was illegally detained, killed, tortured and disappeared shows that that though Rajapaksa does not stand for any of the values that originally brought him into politics. Rajapaksa was a speaker for marginalized populations such as the JVP in his early career. Free Sarath Fonseka. CHECK DRAFTS NOW THEROS/SC SILVA Liam Fox should be well aware that there are Sri Lankans who are fully aware that his statement is based on him procuring sovereign state funds for his business enterprise in Sri Lanka - Fox should not be having access to such funds for he is not a private citizen in the UK but a public official. For him as a public official to be perpetuating his private business interests in Sri Lanka is illegal in the UK especially when its tied to comments regarding rule of law in Sri Lanka GO HOME LIAM FOX and be well aware that you will be investigated for your actions - internationally. Liam Fox has gone on a great boating misadventure and been caught on tape. http://www.bbc.co.uk/sinhala/news/story/2010/02/100217_fox_colombo.shtml