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ManOfWicklowAug 26, 201779 Park Avenue is an American television miniseries broadcast in 1977 on NBC. It was based on the Harold Robbins novel of the same name.ReactReply - T=
Tom === Thomas S. TierneyAug 26, 2017(80)
80 Percent Rule for RetirementHow do you determine how much money you will need in retirement? A lot depends on the retirement lifestyle that you desire. A person who wants to travel and has a large bucket list will need more money than one who has simpler needs. There are many schools of thought about how much money is necessary and we will look at one of them here.
The 80% Rule is a good guideline for those a long way from retiring who want to, at a minimum, retain the standard of living they had before retirement. Many financial planners suggest that 80% of your pre-retirement income will give you a retirement standard of living that is substantially similar to your pre-retirement standard of living. This is based on three assumptions:
First, you will not be paying payroll taxes (Social Security and Medicare) or making pension contributions (CSRS or FERS). For most federal employees, these mandatory taxes and contributions take 8.45% out of our paycheck. You will also not be contributing to the TSP out of your retirement income. Some employees (those hired on or after 01/01/2013 and special category employees) contribute more for their FERS pension and will, thereby save more after they retire.
The second assumption is that your mortgage will be paid off. Only you know if this will be true. A 2011 report from the Consumer Financial Protection Bureau said almost 1/3 of Americans 65 and over still had a mortgage and the average balance was $79,000. This report, though five years old, was cited in recent articles in the Los Angeles Times and on Bloomberg.com.
Third, your other expenses will be lower. Expenses that might go down are commuting, clothing, and food outside the home. Of course travel and recreation expenses might increase.
So, how do you get to the point where you will have 80% of your pre-retirement income? It requires significant and disciplined saving in the TSP and other retirement investments. Well look at a couple of examples and try to estimate how much we will need to save over and above our federal pension and Social Security. In these examples, we are looking at a federal employee who retires at age 62 after 32 years of service with a high-three salary of $100,000. Both of the examples are for regular employees.
If this employee were CSRS, her pension would be $60,250 and she would likely have no (or very limited) Social Security. She would be roughly $20,000 short of the 80% goal.
If this employee were FERS, her pension would be $35,200. Her Social Security would likely be in the vicinity of $20,000, giving her a total of $55,000. She would be roughly $25,000 short of the 80% goal.
This shortfall of 20% to 25% would have to be made up from sources such as the TSP or other retirement savings if these individuals were to have the same standard of living after retirement as they did before retirement. If we were to use another Rule put forth by financial planners, the 4% Rule, this would argue for a TSP balance in the vicinity of $500,000. The 4% Rule states that an individual has an excellent chance of not running out of money over a 30 year period (the age of 92 for the person in our example) if they begin withdrawing from a balanced portfolio at a 4% rate and then adjust that rate annually for inflation.
So, is it possible to have a half million dollar balance in your TSP at the time you retire? Well, it depends on how much money you have in your TSP today and how many more years you have to work. If youre in the early part of your career its not at all out of the realm of possibility that you could have more than $500,000 at retirement. The TSP website has several calculators available, including one called How Much Will My Savings Grow?, that can help you determine where you will be in the future. Of course, it asks you to make assumptions about your future salary and future investment growth, but it can give you an idea.
This article has looked at only your federal retirement benefits (CSRS or FERS pension, TSP and Social Security); we havent looked at other resources you might have such as IRAs, real estate, etc. Regardless of what were looking at, it is to your advantage to save early and save often.ReactReply - DE
DesertRatAug 26, 2017[quote](78 ) THE 78 IS A COSY VEGAN BAR AND RESTAURANT BASED IN FINNISTON GLASGOW, WE ARE COMMITTED TO GOOD TIMES AND GREAT FOOD. WE HAVE AN EXCELLENT OUTSIDE SEATING AREA IN THE SUMMER AND A ROARING OPEN FIRE IN THE WINTER. SAMSON SOUNDS BRING DUB AND GRUB EVERY THURSDAY EVENING WITH FOOD AND MUSIC, LIVE JAZZ ON SUNDAY EVENINGS AND A ROTATION OF DJS ON FRIDAY AND SATURDAYS. CHILDREN ARE WELCOME UNTIL 9PM WITH ACCOMPANYING ADULTS AND WE ARE ALSO DOG-FRIENDLY. FOOD VEGAN PUB FOOD AT ITS FINEST WITH BURGERS, WRAPS AND A RANGE OF FRESHLY PREPARED SPECIALS AVAILABLE EVERY DAY. THURSDAY EVENINGS DUB AND GRUB TAKE OVER WITH A SET MENU, STARTERS AND DESSERTS FROM 2.50 AND MAINS FROM 5.50. ALL OF OUR FOOD IS CRUELTY-FREE AND TASTY. KITCHEN OPENING HOURS: WEEKDAYS NOON- 10PM BOOKINGS WE RECOMMEND RESERVING TABLES, ESPECIALLY AT THE WEEKENDS AS THE BAR CAN BE VERY BUSY. PLEASE NOTE WE ONLY TAKE BOOKINGS OVER THE PHONE, SO PLEASE CALL THE PUB TO RESERVE A TABLE. PLEASE NOTE THERE IS A 10% SERVICE CHARGE ON TABLES OF SIX OR MORE. STUDENTS GET 10% OFF ALL FOOD WITH VALID I.D.[/quote] Why are you shouting.ReactReply - T=Tom === Thomas S. TierneyAug 26, 201783 is a white supremacist numeric symbol that stands for "Heil Christ" or "Hail Christ" (the eighth letter of the alphabet is H and the third letter is C, thus 83 is "HC").ReactReply
- MEMemberAug 26, 2017
84 Lumber Company. A company that sells lumber.
ReactReply - T=Tom === Thomas S. TierneyAug 27, 2017(85)Brewery 85Is a craft microbrewery in Greenville, South Carolina that specializes in marrying Southern culture with craft beer spirit while using traditional German brewing techniques. Prost, Yall!ReactReply
- TOTomOriginal PosterAug 27, 201786 it!To remove, end usage, or take something out or away. The phrase originated atChumley's, a famous and OLD New York speakeasy, located at 86 Bedford St. During Prohibition, an entrance through an interior adjoining courtyard was used, as it provided privacy and discretion for customers. As was a New York tradition, the cops were on the payroll of the bar and would give a ring to the bar that they were coming for a raid. The bartender would then give the command "86 everybody!", which meant that everyone should hightail it out the 86 Bedford entrance because the cops were coming in through the courtyard door. "86 that light" "Everyone in Sales got 86'd."ReactReply
- DEDesertRatAug 27, 2017[strong](88)
The Oldsmobile 88 (known from 1989 onwards as the Eighty Eight) is a full-size car that was sold and produced by Oldsmobile from 1949 until 1999. From 1950 to 1974 the 88 was the division's top-selling line, particularly the entry-level models such as the 88 and Dynamic 88. The 88 series was also an image leader for Oldsmobile, particularly in the early years (1949 - 51) when it was one of the best performing automobiles thanks to its relatively small size, light weight and advanced overhead-valve high-compression V8 engine. This engine, originally designed for the larger C-bodied and more luxurious 98 series, also replaced the straight-8 on the smaller B-bodied 78. With the large, high performance V8, the Oldsmobile 88 is widely considered to be the first muscle car, although this title is disputed.
A large number of variations in nomenclature were seen over this long model run Futuramic, Super, Golden Rocket, Dynamic, Jetstar, Delta, Delmont, Starfire, Holiday, L/S, LSS, Celebrity, and Royale were used at various times with the 88 badge, and Fiesta appeared on some station wagons in the 1950s and 1960s. The name was more commonly shown as numbers in the earlier years ("Delta 88", for example) and was changed to spell-out "Eighty Eight" starting in 1989.[/strong]ReactReply - MAManOfWicklowAug 27, 201789 North, is a wholly owned subsidiary of Chroma Technology. Originally founded as a manufacturer of illumination systems for fluorescence microscopy, 89 North now also distributes a broad range of instruments for microscopy manufactured by Cairn Research (U.K.). Complementing these product offerings, we provide comprehensive contract engineering and manufacturing solutions for the OEM community.ReactReply
- MAManOfWicklowAug 27, 201791% Isopropyl Rubbing Alcohol, is a first aid antiseptic.ReactReply
- T=Tom === Thomas S. TierneyAug 27, 2017
(92)
http://www.insideedition.com/headlines/25143-cop-stops-her-cruiser-to-dance-with-92-year-old-woman-people-do-things-like
ReactReply - MAManOfWicklowAug 28, 2017(94) The 94 club, Yeovil, United Kingdom, is a committee run social club and not affiliated to any political party.ReactReply
- TOTomOriginal PosterAug 28, 2017
Interstate 95 - the main interstate route on the East Coast.
ReactReply - T=Tom === Thomas S. TierneyAug 28, 2017HOT97is the worlds biggest and most well known Hip Hop radio station. Recently it branched off and formed HOT97tv to bring you the best Hip Hop video ...ReactReply
- DEDesertRatAug 29, 2017(98) The Oldsmobile 98 (sometimes spelled Ninety-Eight after 1958) is the full-size flagship model of Oldsmobile that was produced from 1940 until 1996. The name reflecting a "Series 90" fitted with an 8-cylinder engine first appeared in 1941 and was used again after American consumer automobile production resumed post-World War II. It was, as it would remain, the division's top-of-the-line model, with lesser Oldsmobiles having lower numbers such as the A-body 66 and 68, and the B-body 76 and 78. The Series 60 was retired in 1949, the same year the Oldsmobile 78 was replaced by the 88. The Oldsmobile 76 was retired after 1950. This left the two remaining number-names to carry on into the 1990s as the bread and butter of the full-size Oldsmobile lineup until the Oldsmobile Regency replaced the 98 in 1997. Occasionally additional nomenclature was used with the name, such as L/S and Holiday, and the 98 Regency badge would become increasingly common in the later years of the model. The 98 shared its General Motors C-body platform with Buick and Cadillac. As it was the top-line Oldsmobile, the series had the most technologically advanced items available, such as the Hydramatic automatic transmission, the Autronic Eye, an automatic headlight dimmer, and Twilight Sentinel (a feature that automatically turned the headlights on and off via a timer, as controlled by the driver), and the highest-grade interior and exterior trim.ReactReply
- T=Tom === Thomas S. TierneyAug 29, 2017
Toto - 99 - YouTube
https://www.youtube.com/watch?v=qhw-XlTMB5I
Lyrics
99
I've been waiting so long
Oh, 99
Where did we go wrong
99
I've been waiting so long
Oh, 99
Where did we go wrong
Oh, 99
I love you
99
I keep breaking your heart
Oh, 99
How can we be apart
Oh, 99
I love you
I never thought it would happen
I feel quite the same
I don't want to hurt you anymore
I never knew it would work out
No one to blame
You know I love you 99
99
You keep holding my hand
Oh, 99
They don't know who I am
99
I can't take it no more
Oh, 99
Oh we were so sure
Oh, 99
I love you
Songwriters: David Paich
99 lyrics Spirit Music Group
Artist: Toto
Album: Hydra
Released: 1979
Genre: RockReactReply - MAManOfWicklowAug 29, 2017The 100 Club is a music venue located at 100 Oxford Street, London, England. The club attained legendary status in modern British music, having played host to live music since 24 October 1942. Originally called the Feldman Swing Club, the name was changed to the 100 Club when the father of the current owner took over in 1964.ReactReply
- TOTomOriginal PosterAug 29, 2017
The 102nd floor is the Empire State Building's "Top Deck," providing the most spectacular views of NYC & beyond!
ReactReply - T=Tom === Thomas S. TierneyAug 30, 2017(103)103 DalmatiansA young London fashion designer named Lois Richards who won a contest to travel to Paris to study fashion with Cruella de Vil who brings her Dalmatian named dotty While Lois was in Paris she met another young fashion designer Mia who is also a animals right activist who came to Paris, France not to study fashion but to also revel the truth about Cruella de Vil of her using dog fur for her fashion line. But it was all a trap to catch Lois and Emma and take her puppy dotty away from her to add to her collection of 103 Dalmatians for Cruella's fur coats. With the help from a dog groomer Clark Frankson and Mia's grandfather Roy, the girls go out to save the 103 Dalmatians and stop Cruella de Vil.ReactReply
- T=Tom === Thomas S. TierneyAug 30, 2017(105)The AK-105is a shortened carbine version of the AK-74M rifle, which in turn was derived from the original AK-47 design and its AK-74 successor. The AK-102, AK-104, and AK-105 are very similar in design, the only difference being the caliber and corresponding magazine type. The AK-105 is chambered to fire 5.4539mm ammunition. The AK-105 is supplementing AKS-74U carbines in Russian Army service since 2001.ReactReply
- MAManOfWicklowAug 30, 2017(106) In the UK, Section 106 (S106) Agreements are legal agreements between Local Authorities and developers; these are linked to planning permissions and can also be known as planning obligations.ReactReply
- TOTomOriginal PosterAug 30, 2017
The 107th Air Assault Wing of the NY Air National Guard is based out of Niagara Falls.
ReactReply - MAManOfWicklowAug 31, 2017(108) Nokia 108 Dual SIM mobile was launched in September 2013. The phone comes with a 1.87-inch display with a resolution of 128 pixels by 160 pixels.ReactReply
- T=Tom === Thomas S. TierneyAug 31, 2017
The 110 Reuben Challenge
Prepare yourself for the 110 Reuben -- a Sandwich that celebrates our 110 years as Cincinnati's Best Deli.
Your impressive feast begins with a super-sized potato pancake (fresh shredded Idaho potatoes mixed with onions and special seasonings and fried to a perfect golden brown). Then we add over 1 lb. of Izzys Famous Corned Beef, which starts with USDA Choice brisket and a special blend of seasonings, cooked fresh every day and sliced to order.
Next we add a colossal pile of fresh, crisp sauerkraut, gouged with Izzys special dressing. Your sandwich is then smothered with imported Swiss cheese. Finally, this beast of a sandwich is assembled on a gigantic specialty baked poppy seed oval loaf. We finish the ginormous sandwich with a jumbo order of Izzys own kosher sliced pickles on the side.
The Rules (If you dare)
You pay $19.99* - Price is for one person to eat the sandwich in our store. Only the person taking the challenge may eat anything off the plate, and you must eat everything on your plate. If anyone else eats something on your plate, you will be charged the full non-challenge price below.
Complete the challenge in 30 minutes or less and we will refund your money! Plus, you get a really cool t-shirt and a photo in our wall of fame.
Non Challenge Price
The 110 Reuben is great for parties and events, or just to share among friends. The cost is $29.99*, and we will be happy to cut it into quarters. It feeds 6 people easily.
*Sorry, we do not accept coupons or discounts for the 110 Reuben.
Limited Offer
If this page is still up, then we are still offering the 110 Reuben Challenge at any of our locations. But hurry, once our 110th anniversary is over, so is this deal!ReactReply