OHCHUTE

Adding money was a given. Unless of course you get laid off or decide not to save money for retirement. I think you are missing something. most people not only put additional money in but also dollar cost average, due to the nature of the plans. most, in my experience, are employer based and deposit money monthly. this will deeply blunt the effect of a sell off. there are entire books and papers written on it. im sure you can find a more detailed explanation than mine, if you are inclined to learn. Dollar cost averaging only works when buying stocks at low prices. If you are making monthly deposits you might not being buying when it is low over the long haul when buying stocks and may not "deeply blunt the effect of withdrawing lump sum from retirment 401. Again money held by wall street is subject to wall street market influences. The poll, if trusted, shows most people lost money over the long haul in 401 as of this post. It would seem actual experiences trump any equation or talk about how much money one can make for retirement allowing wall street to hold your money. Lets see how the next 30 years will do for you. See you in 2043

Adding money was a given. Unless of course you get laid off or decide not to save money for retirement.

Market "crashes" don't last 20 years. And a properly constructed retirement plan would have equities down to 50% or less in equities, so a market downturn only has some impact. No question you want to start drawing down when it's going up instead of down, but it's not nearly the dramatic impact you suggest, unless their asset allocation was trying to make up for lost time. There is a newer thinking about asset allocation that directs you to fund 3 pools - the immediate future of a couple years (cash accounts), the mid period of the next decade (bond and dividend paying stocks), and then the long term picture (equities). For each, you invest appropriately for the interval, so in concept a bear market doesn't really matter to you. The whole argument hinges on when you need the money. You get hit with 10% penalty, federal and state tax before 59.5 years old and state and federal tax after 59.5 years old. If you need the money at 60 and the market is tanked, lets say off 15% including your investment and you want the money you're going to get hit with 47% load on the money you take. So all of a sudden: IF you want lump sum for non qualified annuity: $1,000,000.00 in 401 ends up being $530,000 annuity single pay. Now if you put in $600,000 in your 401, out of your pocket, grew the account to 1m dollars and only realize $530,000, you've lost money. In this instance, putting $600,000 into a bank saving account at zero interest instead of a 401 would have been better over the long haul. Again, it is market value of 401 at the time you want to make your deduction. Doing it before 59.5 makes matters worse.

It's nice to see a man who knows his limitations. I wish our politician would do the same. How can you lead when you are in a wheel chair and are totally out of it.

Buy and hold may work for retiree so long money is taken out of 401 after growth, not during totally collapse. As previously stated, no on can predict total collapse. I suspect as millions of baby boomers are looking to withdraw money from 401, 403 etc to fund annuities, stock market might suffer as trillions are withdrawn. The market will crash eventually. It always does. It's just a matter of when it crashs. A retiree may not have choice but to withdraw money during crash, as opposed to waiting through crash to the next up cycle. List of crashes here: http://en.wikipedia.org/wiki/List_of_stock_market_crashes_and_bear_markets

Eat less fat. Exercise and get plenty of rest. It will do wonders. Try figuring out what is causing the stress. Then remove that from your life. And stop worrying. You'll be OK. OH stay off Facebook, the computer and webforums. Socialize with friends in person.

I just went through this process. Look at Savage 10 223. Best bang for the buck and they come with weaver base mounts installed. They have large bolt handle and you can get them in camo, brush or mossy oak. They also have the accu-trigger. I've had rem sps, varmint, not impressed as much as savage imho.

What we've learned there are just too many factors: the lady was liquid, did a real estate deal and doubled her money in two years. Meanwhile her 401K was getting hammered by stock market forces. Now she's faced with huge tax bill to get at her 401K money. Her savings and use of money faired better. Just too many factors to determine if 401K is better than cash/ savings account. Also, if you are an entrepreneur and know how to use cash to your advantage, having cash could trump 401K.

No reason to worry about you, as you half get it any way.

Funny how "fuck" and "shit" are the easiest words to lip-read. I am SOOO not going to comment on that... those are a few things that should NEVER be in the same sentence together. Using fuck and shit in the same sentence is quite acceptable. It's only only when the word eat is introduced. As in: eat fucking shit.

We use to succumb to cheap Ikea items, then we grew up and hired a contractor. Who has time for DIY.

We are only talking about people who read it. Dummy OK, then since you have no idea the prose will ever be read then why worry about grammar or spelling? 'laksdf;lajsfljaslfjal;sdjf ;lSKDNFLAJSDLFJASLJFLASJFLA ;LASDFLIIIOJ3EJ3POKVCVN

And cutting in this sentence is just as important: Not knowing who might read the prose, it is undetermined if the prose would be understood. Bravo: in this case it appears we have communications

He should have won. He calls it like it is. And I don't even know what party he represents. People need to FORGET about party and vote for the most sensible candidate.

It's time to sell not buy. They were selling 223 at .80- $1.25 each, .22 $125 per (500)brick. And if you can believe: lower AR receivers with butt stock only, no upper for $1400 which use to cost $500 at the most. Get AR if you can find one. My advice, wait 6 month to a year as things will cool off and prices will be lower.

And cutting in this sentence is just as important: Not knowing who might read the prose, it is undetermined if the prose would be understood. Bravo: in this case it appears we have communications

'But this about grammar and spelling I suspect not amount of copy.' I get the idea and I understand but as a copywriter one might re-compose the sentence to read as follows: But, this thread is about grammar and spelling; not about the amount of typewritten copy. Or, more specific: Wendy's post was about grammar and spelling; not about the amount of typed words. When twits see a block of typewritten copy, their minds immediately turn off, and the copy is not read. It is the author's responsibility to publish a work that is easily understood. Not knowing who might read the prose, it is undetermined if the prose would be understood. I can tolerate a few misplaced words or misspellings; what is irksome are trolls who purposely misconstrue an authors prose to satisfy their egotistical motives. A different topic perhaps, for a different thread. If you fail to understand: please, by all means, give me a call. I perfectly understand: Aoccdrnig to a rscheearch at an Elingsh uinervtisy, it deosn’t mttaer in waht oredr the ltteers in a wrod are, the olny iprmoetnt tihng is taht frist and lsat ltteer is at the rghit pclae. The rset can be a toatl mses and you can sitll raed it wouthit porbelm. Tihs is bcuseae we do not raed ervey lteter by it slef but the wrod as a wlohe. ceehiro. And more challenging reading here: http://crookedtimber.org/2003/09/16/word-salad/

An unintentional spelling error is not intended miscomunications. I agree, often the reader can't comprehend no matter any prose. The reader and writer bare equal responsibility for communications especially on a web forum.

I'm laughing. I said I can comprehend the sentence you composed, you as author, and me as reader. Look back up there. That's the sentence you composed with poor grammar. So the reader has no responsibility to attempt to understand the message? And what writer carelessly composes a sentence so that the reader can't understand? Or better: What writer purposely composes a sentence to confuse the reader? OH MY GOD..... Billvon

"But this about grammar and spelling I suspect not amount of copy." I can comprehend. Reason: I've been following along and know the context. So whose brain can't comprehend.

OBAMA's not going to take your GUNS, he just going to take Your AR-15 platform guns. Not taking guns and taking a gun is what you are missing. Its funny how you pick words out selectively to change meaning to your satisfaction. True: OBAMA doesn't want to take your guns, a shot gun, and pistol. TRUE: OBAMA wants to take away: AR15 Which is what this whole conversation is about. These guns he wants to take: AR-15, with bolt modification 223 WSSM 223 remington 556 5.45x39mm (.21 Genghis) 243 WSSM 6mm PPC 6mm WOA 6mm BR Remington 6mm Hagar 6.5mm PPC 6.5 WSSM 6.5 WOA 6.5mm Grendel 25 WSSM 6.8x43mm SPC .30 Herrett Rimless Tactical (6.8x43mm case trimmed to 41mm and necked up to .308; the 6.8mm version of the .300 Whisper) 7.62x25 7.62x39mm .30 RAR 300 OSSM .357 Auto .35 Gremlin (necked up 6.5 Grendel to 358) .358 WSSM (various names, but all are some form of a WSSM necked up to 35 caliber, some are shortened to make them big game legal in Indiana) .458 SOCOM .50 Action Express .50 Beowulf AR-15 using a simple blowback operation .17 HMR .22 LR .22 WMR 9x19mm 9x21 9x23 30 Carbine 357 Sig 40S&W 400 Cor-Bon 41 Action Express 10mm Auto 45 GAP 45ACP 45 Super 45 Win Mag This list is in no way complete. This list does not include complete different uppers like the FN 5.7 or the one that shoots .410 shotgun, crossbow bolts or bolt action uppers like the 50BMG

True. That's still not an argument against 401Ks or similar accounts. Ok, I'm not arguing against 401K. I just want to know what is better over 30 years considering taxes. For 401K and similar account you'd only the now the answer at day of withdrawal, where with cookie jar you might have better idea perhaps what the payout would be. Answer is: there is no answer what is better.

Not all poor grammar or bad spelling is incomprehensible. Hence, I'll go with the experienced comprehensible text even if there are misspellings. Lets not forget the satirists use of an intentional misspelling, something that could be overlooked as being satirical by a reader. No what I'm talking about? http://en.wikipedia.org/wiki/Satiric_misspelling

This is exactly what this thread is about: What the holy hell does that mean? Simple: a block of type longer than 140 words doesn't get read. More than what the mind can tolerate. The twit generation. But this about grammar and spelling I suspect not amount of copy.

Well we're making progress. Thank you. I agree.