We’re Sorry

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We know that posting has been rather sparse. We've been busy, helping our friends at TeacherSolutions.net get their new site launched.

If you're a teacher, you should check it out.  It makes services like Blackboard look plain crappy – though to be fair, Blackboard was doing a pretty good job of that themselves.

Anyway, we're back and content should be more consistent now.  And after Sept 15th, our obligations to a certain Fortune 50 company will be completed – further freeing us up for telling you how the world should be.

– Mgmt 

Tri 2 Update

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Fit in another run out on the road… I forgot to hit stop on my Garmin between my run and cool down, so I don't have an exact time for this run.

  • Run 2.5 Miles – less than 30 min (299 Cal)  

Tri 2 Update

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A friend asked me how fast a pace I could run for several miles.  I answered that when in shape I could keep about a 7 min/mile pace over a 5k run.  Unfortunately, since I'm not in shape, I fear that I could only keep a 12min/mile pace.

The conversation made me curious about how out of shape I had become with all my other obligations this summer.  Happily I had only fallen to an 11min/mile pace.  Apparently my DDR workouts I had fit in were maintaining at least some cardio fitness.

  • Run 3.0 Miles – 33:17 (423 Cal)  

HondaJET

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This ain't your dad's Accord… Honda has officially entered the light Jet market.  Honda which only a few years ago entered the aviation market by producing aero-engines is now going to start making the entire aircraft.  

Don't expect them any time soon, however, as the FAA certification process takes several years.  But by 2010, you'll be able to buy a Honda that can really fly.  ;)

Retirement… Now!

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So I’ve been thinking about retirement a lot lately… aren’t we all right? Of course the more fun question regarding retirement is not how, but WHEN can I finally kick this job to the curb and live the good life?

I decided to find out. A few things had to be established before we could jump into the math. First of all we will assume that the investments are in the stock market which is the easiest and most common way to save for retirement. The stock market averages 12-12.5% return and inflation runs 2-2.5% so we will assume a real return of 10%. We will compute money invested on a percentage of income basis so that it can be applied to anyone weither you make $20k/yr or $200k/yr. Most people will make more money later in life than they do now. The equations will still hold – the amount you retire with will be a function of your average income during your career.

One last thing had to be decided. How much money do you need to retire? Well the experts claim that you can live off of an amount substantially less than your income due to lower taxes, no kids, (hopefully) no debt ect. Many say 60% – we’re going to assume extreme frugality and say that you can squeek by on 50% of you income and actually retire at that point. We have also setup to less painful levels of retirement. Retirement at your income level – which seems to be working for you now so it should in the future. And finally the good life of retiring to double you current income level. Nice. The results are below:

 

The Number Of Years Of Investing To Reach Retirement Income

(% Pre-Retirement of Income)