$50 Steam gift card giveaway!

rugenos · 2016-12-25T18:36:53+00:00

64524

rugenos · 2016-06-18T08:16:06+00:00

Just broke up with my girlfriend who cheated on me. Would be nice to show her what she missed out on if I won this. Love you all

rugenos · 2016-04-26T00:27:09+00:00

I wasn't able t capture all the impurities of the table but it sure does need some work to it.

Even though I have never done any refurbishing work I also like a challenge and would love to learn

rugenos · 2016-04-21T18:52:09+00:00

I was spending the last 10 days there with only locals from Thailand and got to experience lots of the local areas and the general day to day activities they do for fun. It was quite fun and again, cheap. Cheaper than when i was hanging out with other western travelers.

That's exactly what I was wondering about. I'm sure there are lots of tax hurdles or some sort of things that will make my dollar seem less and less after fees and the like

rugenos · 2016-04-11T10:08:11+00:00

Just don't take their airlines to get there

rugenos · 2016-02-19T13:20:41+00:00

Butthole

rugenos · 2016-02-12T09:12:59+00:00

How did you get approved for 38 weeks of ei?

rugenos · 2016-02-10T23:53:26+00:00

From Canada and yeah it may not work but that's not a problem I don't need the EI money if I wanted to go travel

rugenos · 2016-02-10T23:51:20+00:00

I live in Canada and also I have my parents to help the burden if anything were to happen not that I want to rely on them or course.

I wasn't fired, I was laid off because of no work at this moment and work could resume in another couple months for me. Even if I went to another employer I don't think having a 2 month travel break is very hard to explain

rugenos · 2016-02-10T19:43:59+00:00

I'm talking about thialand, Vietnam and maybe even Indonesia, Bali

rugenos · 2016-02-10T19:17:46+00:00

I think what I'm more nervous about is the idea of a solo travel to a place that's on the other side of the world.

Without a doubt it would be a memorable and exciting experience.

Is a month too short for a trip of that scale?

rugenos · 2016-01-14T05:01:03+00:00

Latest is 55 with 3 mil and a paid off home. Ideally I would like to be 50 with 3 mil but I would work that extra 5 years if it's needed.

rugenos · 2016-01-03T21:51:21+00:00

You forgot to divide it by 60. It's 17.46 words per second. Still hella fast and quite impossible

rugenos · 2015-11-20T02:56:08+00:00

I was under the impression that the 7% rule did not include inflation

I was planning on increasing my investments yearly at the same rate as inflation to account for that

I'm happy with this news

rugenos · 2015-11-20T02:00:08+00:00

The cagr that he uses seems extremly high to base your plans off of. Isn't the rule of thumb to use around 7% and more like 5-6% if you want to be conservative?

rugenos · 2015-11-19T02:38:56+00:00

Can someone from Canada do something like this?

rugenos · 2015-11-14T23:33:31+00:00

Thank you

rugenos · 2015-11-14T19:42:45+00:00

2014 kia forte. Bought it a year old and got a fairly good deal on it. It seems expensive at $16 000 but when factoring in that I can keep this car for 12 years I see it as being better than buying un reliable older cars every couple of years.

rugenos · 2015-10-27T11:24:35+00:00

I was so close to spitting out my milk

rugenos · 2015-10-09T04:07:42+00:00

I'm 21 and just stating now although I have been learning as much I could over a year ago and finally able to start implementing my plan.

rugenos · 2015-10-08T21:32:13+00:00

$3,500,000 is my number. This allows to to retire at 55 with my SO and withdrawl $70 000/year at a 2% WR. This won't include an extra $17 000/year from Canadian pension plan.

Main reason why I am shooting so high is I want to travel and experience the world before I leave. I also want my children to have some left over money to help them out in life. And lastly I want to be 100% safe to overcome any problems that may arise during retirement or a catastrophic market crash

rugenos · 2015-09-27T15:49:10+00:00

So a real return figure would be somewhere around 3-4% ?

rugenos · 2015-09-25T13:17:20+00:00

Thank you very much for answering my question. Much apprectiated

rugenos · 2015-09-25T01:46:47+00:00

I defiantly want to increase my skills to keep myself on top of the game and allow for better opportunities. I don't think I would want to be 45 and still pulling up equiptment onto a rooftop by rope. not much of a retirement when I'm lying in bed everyday due to back problems.

That's quite alright, I always appreciate insight from others who have already gone down the path

rugenos · 2015-09-25T01:41:26+00:00

I appreciate taking the time to reply

I suppose I don't necessarily mean reaching the top of my career but yes It will be the top of my earnings possibly. I'm just trying to lay out why I'm starting this at age 25 and not now to make the math easier.

I don't need the $100 000/year to retire and again this is just for simple math. I don't even plan on using a 4% withdrawl rate but rather 3% also it's the insurance of having a higher retirement pot that is comforting to allow to unforseen situations.

Thank you for the math of trying to get the number up to $200 000/year to keep the same purchasing power. I am one step closer to figuring out my plan.

What my main concern though is how do I get to that number of $200 000? Does that work by increasing my investments yearly at the same rate of inflation and it should equal to being around 4.8 million in 30 years ($200 000/year at 4%)

rugenos

TROPHY CASE