Browsing Archive July, 2011
Details of the 4% Safe Withdrawal Rate
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Details of the 4% Safe Withdrawal Rate

Let's follow up on questions from last week: Explain again this 4% – is that 4% withdrawal from the “investment pot” each year in retirement? Wouldn’t that automatically reduce the amount withdrawn each year? And the 25 times living expenses…we might be unusual in that our children are both college age as we approach ...

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Trends in retirement
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Trends in retirement

  After you've been in the military for 8-10 years, you notice the pendulum swings. At first they can turn you into a bitter, hardened cynic, but after two or three limit-cycles you realize that the pendulum's problem is slowly getting solved. Eventually you recognize that there will always be overshoots.  You ...

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Trends in personal finances
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Trends in personal finances

The blog went over 20,000 hits last week-- thanks! It took over six months to get the first 10,000 hits, and only three months to do it again. This month is on track to set yet another new high, and if the trend continues then 30,000 hits will happen in September. I've read a number of interesting financial and ...

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Lifestyles in military retirement: Napili Bay
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Lifestyles in military retirement: Napili Bay

Here in Hawaii, we occasionally see frenzied vacation behavior from Mainland visitors who only have a week or two. They'll race around to "do" everything on Oahu in a few days, and then charge on to a neighbor island to complete the rest of their checklist. They'll scurry from a cultural attraction to a shopping ...

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Getting Rich In The Submarine Force
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Getting Rich In The Submarine Force

(Disclosure: After "seeing the real Navy" during this summer's NROTC training, our progeny announced a desire to join the submarine force.  She's smart, she's persistent, and she'll be good at it.  She's a contender for "command at sea".  I'm happy to support whatever decision she makes, as long as she has enough ...

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“What, me worry?”
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“What, me worry?”

(I know, I know, that title reference may be a bit historical for some of you. Here's the link. ) WordPress, this blog's host, has been running a "PostADay2011" promotion with daily thought-provoking inspirational questions. The kickstarter for Tuesday 28 June was "What have you feared that turned out to be much ...

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Five Money Missteps
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Five Money Missteps

State Farm Insurance recently published "Five Money Missteps to Avoid" in their monthly magazine. (Thanks for sending this, Jay!) I'm a sucker for short lists that help you succeed one sound bite at a time. They're a quick read, they're easily compared to your own practices, and you don't feel as if you're slogging ...

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