Early retirement

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

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

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. ...

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

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 ...

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.

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

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. ...

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

Early Retirement Term in pensions; leaving a job before normal retirement age, subject to minimum requirements of age and years of service

Most early retirement offers include a severance package that is based on your annual ... Does your employer's early retirement offer include medical coverage ...

If you make early retirement your highest priority in life and follow a ... The retirement described here is a modest early retirement, not the "winning the ...

The application window for the 2008 State Early Retirement Incentive ended Tuesday, July 15, 2008. ... To be eligible for the Early Retirement Incentive (ERI) you must be ...

The Navy found they had too many officers and decided to offer an early retirement bonus. They promised any officer who volunteered for retirement a bonus of $1000 for every inch measured in a straight line between any two points in his body. The officer got to choose what those two points would be. The first officer who accepted, asked that he be measured from the top of his head to the tip of his toes. He was measured at six feet and walked out with a bonus of $72,000. The second officer who accepted was a little smarter and asked to be measured from the tip of his outstretched hands to his toes. He walked out with $96,000. The third one was a grizzly old Captain who, when asked where he would like to be measured replied "from the tip of my penis to my testicles." It was suggested by the pension man that he may want to reconsider, explaining about the nice checks the previous two officers had received. But the old Captain insisted and they decided to go along with him providing the measurement was taken by a medical officer. The medical officer arrived and instructed the Captain to "drop 'em," which he did. The medical officer placed the tape measure on the tip of the Captain's penis and began to work back. "My God!" he suddenly exclaimed, "Where are your testicles?" The Captain calmly replied "Vietnam." * if you find this funny

Teachers is the USA seam to care to much about how many holidays,sick time, vacation time,tax paid pensions,early retirement, etc..etc..etc..they can get... Teach a kid ....eh!

Like my last question, I am putting this to a vote. There were too many good ans- wers to choose just one. So the most votes, gets the award from this one and my last as well. Thanks to everyone!

i've posted this in health category but there's still no reply. i'm desperate for an answer so i posted it here. here goes. i'm in a foreign country away from my family. i'm in my early 40's. medium built. doing 50 push-ups every other day. been here for 7 months now. smoking at least average of 10 sticks a day but gradually removing it out of my system (guess it's too late). i started feeling pain in my right ribs 4 months ago and i thought it was only muscle pain or the weather then (8 degrees C) and it was tolerable then. i haven't had any accident. then the pain escalates now to the point that i cried and i'm shouting in my pillows because i don't want to be heard by my co-workers adjacent to my room. i don't want to go to hospital for fear that the result will lead to my early retirement. i couldn't afford to go home early because of our present economic plight (i still have to pay a lot of debts back in my home country and my family still needs remittance) and i'm almost sure that the result would be serious. recently, sores on my right ribs appeared and the pain is almost unbearable especially on nighttime. i virtually could not sleep when it attacks at least thrice a week. i could still work though, in each and every attack. just tell me what's causing this pain. professional opinion please. i really don't want to go to a hospital. and i'm ready to endure this. i just want to know what is it or better yet, how much time do i still have. thank you.

My wife and I have been married for 20 years. Last year I intercepted text messages between her and another man. Five months later she asked for a divorce. We have NOT had a perfect marriage and I certainly admit that I could have been a better husband. I have a career that has consumed my life and I fully understand that I put more emphasis on career than flowers and romantic weekends. However, I sincerely thought that she was fully understanding and appreciated the income that came with the hours at the office. Several years ago (2005) we purchased a 2nd home as an investment for $500,000. Within 3 years it was valued at $875,000. I chose to sell it and take the profit and place securely in the bank. She begged me not to sell the property and I agreed to keep it. Now that property is worth about $375k. My wife comes from a family with money that was inherited recently from an uncles passing. Early on she told me she did not want to hurt me. She said she just does not love me any longer. She said that she was not going to touch my retirement, 401k. Well, I fell for it and got her divorce proposal today and guess what....yeah, now she wants her half of each. In addition, she wants to stay in the home WE purchased together. However, the house in in OUR names (both she and I). In addition, the second home is in both names. She has a new job making about $2K per month. There is not a bank in the world that is going to allow her to refinance. Here is my issue: She wants to keep the house but keep it in my name until she becomes financially fit. Due to our current economic state, I think this could be years. We have two kids (10-14). I do NOT want them uprooted from their home. However, I feel very vulnerable and I just don't think it makes good sound sense to allow her to stay in the home in my name. Especially when SHE asked me to leave after being together for 23 years. I am now in a runned down 2 bedroom apartment. Our house is 3br, 3 bath and is very nice. Again, I don't want my kids to be the victims here but I'm scared to death that if I allow this she'll do something like not make the payments (her income clearly does not substantiate this ability). I told my lawyer I'd give her 6 months to either find a bank to refinance, or sale the house and find a cheaper home/apartment until she gets herself on track. My attorney says the judge will probably not allow this as he'll think I'm just trying to "punish" her for leaving me. I'm totally not doing this. I just don't have the stomach to give her any more ability to destroy me any further. What do you think?

Sam is hyper-vigilant and anxious, anhedonia and dysphoria and doesn't like sex ( thinks it's a waste of time. ) He is consistently and repeatedly victimized by his clients, for instance. They take credit for his ideas and leverage them to promote themselves, but then fail to re-hire him as a consultant. Ani is serving time in prison, He looks completely puzzled and disdainful when I ask him why he did what he did. "For the money, of course" - he blurts out impatiently and then recomposes himself: "Had this panned out, these guys would have had a great retirement, far better than their meager and laughable pensions could provide." Can he describe his typical "customer"? Of course he can - he is nothing if not thorough. He provides me with a litany of detailed demographics. No, I say - I am interested to know about their wishes, hopes, needs, fears, backgrounds, families, emotions. He is stumped for a moment: "Why would I want to know these data? It's not like I was their bloody grandson, or something!" Ani is contemptuous towards the "meek and weak". Dal is an attractive young woman but seems to be unable to maintain a stable sense of self-worth and self-esteem. Her confidence in her ability to "hold on to men" is at a low ebb, having just parted ways with "the love of her life". In the last year alone she confesses to having had six "serious relationships". Dal likes to "live dangerously, on the edge." She does drugs occasionally - "not a habit, just for recreation", she assures me. She is a shopaholic and often finds herself mired in debts. Mark sits where instructed, erect but listless. When I ask him how he feels about attending therapy, he shrugs and mumbles "OK, I guess". He rarely twitches or flexes his muscles or in any way deviates from the posture he has assumed early on. He reacts with invariable, almost robotic equanimity to the most intrusive queries on my part. He shows no feelings when we discuss his uneventful childhood, his parents ("of course I love them"), and sad and happy moments he recollects at my request. Mark veers between being bored with our encounter and being annoyed by it. How would he describe his relationships with other people? He has none that he can think of. In whom does he confide? He eyes me quizzically: "confide?" Who are his friends? Does he have a girlfriend? No. He shares pressing problems with his mother and sister, he finally remembers. When was the last time he spoke to them? More than two years ago, he thinks "I would like to be normal" - says Gladys and blushes purple. In which sense is she abnormal? She prefers reading books and watching movies with her elderly mother to going out with her colleagues to the occasional office party. Maybe she doesn't feel close to them? How long has she been working with these people? Eight years in the same firm and "not one raise in salary" - she blurts out, evidently hurt. Her boss bullies her publicly and the searing shame of it all prevents her from socializing with peers, suppliers, and clients. El-Or's real name is George. He changed it as a result of an epiphany he experienced at the tender age of 9 when he encountered an alien spaceship in his back yard and "in all probability" was abducted by its crew. Can't he remember for sure? It's all kind of fuzzy, but ever since then he has had numerous out of body experiences and has developed psychic capabilities such as clairvoyance and remote viewing. "I can see that you don't believe a word of it." - he declaims bitterly - "You probably can't wait to tell the other therapists here about me and have a good laugh at my expense." I remind him that therapy sessions are strictly confidential but he nods his head sagely: "Yeah, sure, whatever you say, Doc." El-Or, wounded by my skepticism, lapses into his own private language: "The locust days are here and the wise shall behold and not see, hear the deafening and yet not be lifted." Can he help me understand what he just said? "Your crown is naked, councillor, 'tis there to fathom and yours to cling to. All your kind shall perish if you forsake not your mind's cage." In other words: I better believe what he tells me and give up my prejudices - or I shall be rendered obsolete and dispensable when the time comes. El-Or firmly believes that Earth is about to be overtaken by alien species. They are already here, scouting the land and choosing who will be "lifted" and who will "perish". Many adepts have defected to "their" side and are collaborating with the aliens in the subjugation of Mankind and the ultimate conquest of our planet. El-Or, though, has decided not to betray his kind. His self-assigned mission is to warn of the impending doom and save as many "enlightened" souls as he can. Hence his irritation with my attempts to puncture holes in his scenario. These are just a few cases I need some help with. You have have to answer the questions that are asked in the message just help me Identify the disorders. Tha

We'd like to make a 401k hardship withdrawal to use the funds towards down payment of a house (my wife and I are first-time home buyers). We have about 40k in the 401k (fully vested) and after paying 10% penalty and fed&state taxes, we should remain with about 25k. Now, we learned from our plan administrator (ING) that things are not so simple: first we have to "exhaust all other loan options". This means concretely that we have to borrow about 20k from the 401k and pay it back with 5% interest. Only the remaining 20k can be used for a hardship withdrawal. This kind of defeats the purpose of what we want to do, namely to generate as much hard cash from the 401k as possible which then can be used towards the down payment. The question is if the practice of requiring to exhaust all other loan options is legal and if others have heard about similar "gates" that are throws up by the plan administrators. Also, we were wondering if there is another way to get the full money applied towards the withdrawal (and none against a loan). Of course we know that some people think that it is a bad idea to make early withdrawals from a 401k. We took into account in the decision to case out the 401k not only the nerve-wrecking ups-and-downs in 401k plans over the past 2-3 years, but also the recent rumors that the US government might turn 401k plans into annuity plans at some point in the future to finance the public debt (effectively turning your contributions into a government IOU for retirement). I appreciated all responses so far, thanks a lot! So far the responses are missing the point, which I try to clarify better: this is a technical question of how to extract a maximum amount of cash out of the 401k and whether a 401k plan administrator is actually permitted to throw up gates by demanding to exhaust all other loan options first. Whether it makes sense financially or whether this is against the spirit of 401k based retirement plans is not the question.

my father is not liked by of his two sons and one daughter. because of his attitude. his behaviour seems to be dominating in certain aspects and at the same time when he talks looks nice and good. he will never listen to our side or mother side of versions. he does and did what he thought. after retirement he looks that he be for his selfish needs. he is not seems as worried for his second depressed son .. but take steps wrongly for his future protection. he has not care about first son and giving word of confidence inhis earlier stage and when he found that he could not,, he left him suffer... he made marriage to his daughter that was failed but turn his back as if he does not know about the suffering of his daughter. he thinks and worried about socity look and to gain good name in the society is good for him than famly members good,,, he quarrels with mam and at the same time he has not left her,,,,,,,,, he has not freely talk and most of the time stop talking with the family members,,, with me he stoped nearly 10 years back,, what to and how to estimate this kind of father.. i am fed up,,, and he took steps for my marrieage,, but still at my age of 40 years he could not,, but now he says to neigbhors that my son is rejecting all propsels,, but i did not do any like that,, he want to safegurd himself from the socity for which he blams family members and escape,,, but he has gained good name in the socity,,, but what is the use,, we suffer inside,,, and no growth and development,,, i am confused and thinking of going away from this life with renouncing all .this confusion makes me to get angry on my father and hatehim,, but after scolding him,,, i feel that i did some thing wrong,,, .please hele me,,

I got this email twice early this am. You would think an IT company would have a website. Our company is glad to offer you a job as an Assistant Manager. We believe that your knowledge, skills and experience will be among our most precious assets. Our company is famous for its effective solutions in creating, software integration and its administration. Our chief field of work is Internet. We work for our clients, living in various places all over the world. IT Ltd is mostly concerned with web application development and software development. Also the company pays much attention to more efficient options, fulfilling web design projects for the customers on web design, helps to arrange work with affiliates. Our company is aimed at developing sound, yet easy and effortless solutions for all our clients. The biggest number of customers is represented by USA consumers. Description of the offered position : Promotion support Working out tax reports and reports of internal use Studying and determination of ways of solution Announcement of information to clients Keeping correspondence Estimation, organization, keeping up and exploration of complex data Organization of payoffs straight from clients to employees using money transfer systems Looking after expenses of the company Performing administration work Conference calls arrangement with meeting organization Our Assistant Manager must have brilliant communication skills and being proficient in the following field: Computer skills and typesetting Skilled usage of Microsoft Word, Excel Working hours are 9a.m. to 1p.m. Should you accept this job offer, per company policy you'll be eligible to receive the following beginning on your hire date. Salary: for 2 weeks of training|trial) period - 1800 USD for a full-time position - 4500 USD per month, paid in biweekly installments by direct deposit Benefits package: 401k retirement account Health, dental, life and disability insurance Sick leave Vacation and personal days Income protection plans for employees. To accept this job offer please let us know the following details: 1. Enter your name completely: 2. We need to know your full address: 3. Cell is necessary to contact you: 4. Home phone number: 5. Your e-mail for a quick contact: We at IT Ltd hope that you'll accept this job offer and look forward to welcoming you aboard. IT Ltd is ready to show you the world outside and provide you with unique opportunities to live the way you deserve. Sincerely, Hiring Coordinator, HR Department. IT Ltd.

My daughter is graduating high school in 3 months. We told my Dad and his wife (who live 600 miles away) and his wife immediately freaked out that this wasn't enough notice because she's going shopping with friends that weekend. We told them we know that's pretty far away and we understand if they can't come, but she just kept on about it. Now, it's because she's visiting her sister that weekend (who lives only about 80 miles away). They are retired but travel easily they are in their early 60s. I wish they'd just say they can't come rather than say 3 months notice is not enough time and make up lame excuses. She then complains we never come to visit. We wanted to in January but it "wasn't a good time". Now we say well we can find some time in April - sorry - we're busy straight through until August. She guilts me for being a bad son for never coming to visit, but everytime I make plans to do so she comes up with a reason why I can't. If someone's coming to visit me from out of town I drop everything to accomodate them. Who is SO busy in retirement that they can't have their son and daughter in law visit for a few days sometime in the next 5 months? Since when is 3 months notice "way too little" for a high school graduation? Essentially, it's not and the truth is she doesn't want us around and thinks we're stupid enough to not doubt her ridiculous excuses. My Dad has totally lost his spine with her in the last couple of years and just stays quiet. WHAT can I do?

I did loose my job to Illegal Mexicans, that are allowed to work for Sunbelt Rentals Construction Division on a job at Duke Energy Gibson Indiana Power Plant. My Insurance went from $250 a month to $950 a month while GW was in Office!!!! GRRRR So I took Early Retirement ( thanks to the Laborers Union I have a retirement at 55. However there is a clinic my wife goes to that was funded while Bush was in Office ( most likely voted in by Democrats) where we get free doctor visits and the doctor will look at all three of my wife's health problems at one time and prescribe her high blood pressure, and arthritis meds all at one time. When we had insurance it took about 8 doctor visits a month to get all this done now we just go 1 time every 2 months. We need to fix how hospitals and the Health Care System works now wow, first!!

My dad quit his extremely high paying job as a corporate VP in 2007 for no real reason, and had to bring money to the table to sell the awesome house he had, in a buyer's market (it finally sold in 2009) -- the house was totally paid off, BTW, my parents could have stayed there for almost no monthly fee (just the HOA). He decided to move himself, my mother, and my disabled brother to a retirement community in another state (where I also happened to be moving), where there were no potential jobs. I try to love my mother, but she's always been a physically, verbally, emotionally, and mentally abusive drunk who smokes chains of cigarettes. She never worked because she said she was too sick, but we know for a fact that she was making herself sick with her addictions. They both used to use recreational drugs in irresponsible excess. My parents moved into a house they couldn't afford, in this retirement community with no job prospects for either of them, when they were still in their early 50s. I don't know how they figured they'd be able to make ends meet on my dad's pension, the math doesn't even make sense, but I wasn't smart enough back then to realize their folly. They didn't consult with a lawyer or an accountant. My little brother is high-functioning autistic (has Aspberger's syndrome and a seizure condition), he lives with them. He gets social security disability money every month, and my mother takes it and spends it on groceries and, mostly, wine for herself. None of them have health insurance. I got a joint bank account with the parents so that I could transfer funds to them if they needed me to do so. As it stands now, I've given them over $3000 of my federal student loans (I'm in school), and I will never see that money again. The IRS levied the joint account when they failed to pay their taxes on the house sale and my dad's pension. I just faxed the info to the IRS recently to prove I had control over the account and no money came from my parents. Levy will be removed soon. I will get a new account. I'm moving out of the state we live in, even though my autistic brother still lives with them. My mother won't sop drinking and abusing my father, and my father wants me to get a townhouse where I'm moving so that they can all live with me. He sends me articles about how baby boomers live with their adult kids these days to merge resources, even though he wouldn't be able to bring money to the table to help me out (his entire pension is tied up in his house, a car, and his IRS payment schedule). He plays on my guilt a lot and tries to convince me that what he's asking is somehow normal. I'm not even 30, and they're not even 60. I feel like I'm being taken advantage of. They've been making my life more difficult than it has to be for a long time, by both their irresponsibility and their abuse, and I'm tempted to cut them off, with the possibility of extracting my brother from the situation soon after I'm out. Am I wrong? Is dealing with parents like this normal, and I'm just a selfish, ungrateful son? Do you beat your children, too, Crystal? Do you steal their money and buy booze with it? Crystal, I just read an answer you gave for a question asking about an abusive mother, you gave the opposite response. Stop using all caps and start exercising logical consistency.

If I do not reach the age to collect Social Security Benefit which is 65 year, and I become disable at age 50. What kind of benefit would I be collecting? Would it be early Social Security Benefit or SSI? Please explain this to me. Thanks.

so, this is a paragrapgh from an article I read earlier. it doesn't make sense that they charge 7,000 a month on their credit cards . they say that if they can't pay the balance off each month, they will do without food. they're not charging their meals on credit or what? what is more important that food and shelter? and how is 7,000 to 10,000 in credit card debt such a big deal for someone that clearly makes good income /(seeing they charge 7,000 a month and only have 7,000-10,000 in debt) my mother is in 20,000 in debt and only makes 12,000 a year..... article: Ever make a totally committed promise to use credit cards wisely? It may be time you did. Marcia Noyes and her husband of Golden, Colo., regularly held credit card balances between $7,000 and $10,000. "We used to pay just the minimums," says Noyes "even though we were wallowing in debt." A stroke of good fortune was the catalyst they needed to make an abrupt change with how they dealt with credit: Her husband's early retirement package enabled them to pay down the debt all at once. "We made a vow right then that we would never again pay the minimum on any credit cards," she says. "Now we use the cards instead of them using us." The couple charges about $7,000 per month but then pays the bill off. Noyes admits that staying on track isn't always easy, but that vow is sacred, saying, "We'll do without food before we don't pay a credit card in full." Today, they track every penny and have perfected their money management routine. "Once you get out of the minimum payment habit," assures Noyes, "it becomes a way of life."

I receive military retirement pay and I am planning on drawing my social security at 62. Does my military retirement count against me if I decide to draw social security early. Does it count as my income as far social security.

I'm a part-time student and a part-time food service worker in my early twenties. I make about $12,000 to $14,000 a year. I have absolutely no savings whatsoever, and very little knowledge on the subject. I'm considering opening a Roth IRA to start saving for retirement. Anybody have any advice for me? Is it easy to set up? How much should I contribute? Can I put as much in whenever I want, or is there a minimum you have to contribute? How is the interest rate determined? I'm sorry to ask so many questions, but I'm really quite confused on the subject! Any advice would be appreciated. I also have a question about 401k plans, if anybody can help me out with that, too! http://answers.yahoo.com/question/index;_ylt=Aplt8J4Df3e8__.hOjmxf4bsy6IX;_ylv=3?qid=20100313023709AAG9Mhi

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.

my sister is sick and said she cannot take time off or early retirement because she has recently re-mortgaged her home-but I thought all mortgages carried some sort of "assurance" in case of illness,death etc!

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 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?