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There is a little known fact regarding 401(k) plans versus IRA plans if you need to retire early. IRA plans require the owner to be 59-1/2 years old before the money can be withdrawn without an IRS penalty (you still pay income taxes on what you withdraw but not the added 10% tax penalty for early withdrawal).
I find the comments from other posters to be alarming. Apparently the common misconception for my generation was that someone would pay us to not work when we got old and feeble. Well guess what? That someone is you!
We have been told for years now that it will require $1 Million in savings for a Baby Boomer t...more
Our thirty-someting kids have the same complaint. The first two years after Grad Schol were filled with weddings of friends and all were expensive. Not necessarily destination weddings per se, but being scattered around the country in the Brides' home towns made travel expensive and difficult. They were forced to de...more
The 401(k) versus an old fashioned pension is a double edged sword. IF the employer increases wages or provides reasonable matching funds, and IF individuals are disciplined enough to save for their retirement, and IF individuals are financially savvy themselves or smart enough to hire someone who is, then the 401(k) ...more
What is frightening is that Social Security, a safety net originally intended to be a supplement only and to eliminate County Poor Houses for the elderly, has become the major source of old age income for so many people!
My wife and I plan on being fully self-sufficient in our eventual retirement, and have spent th...more
Once again, an automotive article written by someone who knows nothing about cars. I got to the Ceramic Brake Pads paragraph and feel stupid for wasting my time reading that far. Most of the early recommendations are mindless 'boy racer' gibberish. The brake pad comments are just plain wrong!
I think an official ban on topless gowns is a little over the top, but I cannot understand why girls are so intrigued by them. When wearing a strapless dress girls spend the entire evening hiking their boobs up, effectively adjusting their underwear in public, and yet somehow they think that makes them appear sexy and...more