text:
How Much Money Do You Need to Retire?
Over the past several months, JD over at GetRichSlowly has been running a poll that asked the following question:
If you were 65 and retiring today, how much do you think you would need?
Interestingly, 42% of respondents said they'd need over $1M, and 27% said they'd need more than $2M. At the other end of the spectrum, 8% thought they could get by on less than $500k.
If you assume a safe withdrawal rate of 4% (as many do), then a $500k nest egg would throw off an inflation-adjusted $20k/year. At $1M, we're talking $40k/year. At $2M, it's $80k/year.
What do you think? If you were 65 and retiring, how much would you need?
Filed under: Retirement, Saving & Investing
About the author: Nickel is the founder and editor-in-chief of this site. He's a thirty-something family man who has been writing about personal finance since 2005, and guess what? He's on Twitter!
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62 Responses to "How Much Money Do You Need to Retire?"
1tom Says:
April 15th, 2010 at 1:05 pm
I think about $3-5M will be sufficient. That assumes I have no mortgage and no debt.
2Amy Says:
April 15th, 2010 at 1:46 pm
I will answer with the assumption that I had paid off my mortgage, Student Loans, and no longer was paying for childcare (which is, incidentally, more than my mortgage. ugh) And with the assumption that my monthly medical costs are reasonable (under $500 for my husband and I).
To live very comfortably, we would want 1.5M
We could do it with less, but it wouldn't be nearly as much fun. Boy do we have a lot of work to do.
3D R Says:
April 15th, 2010 at 2:49 pm
Call me a dreamer; but I think I would be able to retire "comfortably" with $400K in the market (notice I didn't say bank) and $100K rainy day fund.
Why so little? I recieve a pittence (<$1K a month) retainer from uncle sugar for 20+ years of military servitude. I think $400K invested in decent dividend paying stocks will replace my wife's current income. Last but not least, there will be a small bit of SSA avaiable for us when we retire (hopefully).
The most important aspect; no mortgage and we have little consumer debt. That is my gameplan, unless I hit the lottery (yeah!!).
4Katharine Says:
April 15th, 2010 at 4:20 pm
A whole bunch as I have about $300k in debt (mortgage and student loans). If I were to retire I'd probably either A) move back to Boston, in which case I'd need a fair chunk of money for a condo or B) move out of the suburbs to someplace more rural where I could have a bit of land to hide in. Today I'd choose A, so I'd probably need about 1.5M after I paid off my debt, living in the city isn't cheap. More would be great as I'd like to travel.
5Anonymous Says:
April 15th, 2010 at 4:39 pm
If I owned my house and my student loans were paid off and I was no longer saving anything for any reason, my wife and I could maintain our lifestyle on about $20,000 annually after taxes. Today's standard deduction + 2 exemptions ($11,400+$3650*2) leaves us with a tax basis of $1300. Then take away $1100 per person who is over 65. So we'd have no tax bill.
This would put us at the 1/2 million mark based on your calculations.
BTW, this is a fun example for the Roth die-hards. Let's assume that my $.5 million was invested through a 401k or traditional IRA. My contributions were made with tax free income, and because of my exemptions, my withdrawls are tax-free too. Those who contributed to their Roth paid taxes on the contributions for the sake of not paying taxes on something they wouldn't have had to pay anyway!
6Courtney Says:
April 15th, 2010 at 5:33 pm
I'm with Tom – we're aiming for the $3-5M range, which would allow us to replace our current income (in estimated future dollars). We figure health care and travel will replace what we're currently saving and paying on our mortgage, and we always exclude social security from our calculations as we're young enough (and 'wealthy enough') to pretty much be guaranteed reduced benefits and/or means-testing.
Anon: I AM a Roth die-hard, because I would like a lot more than $20K annually for two people!
7John Says:
April 15th, 2010 at 5:46 pm
$1-1.5million would be ideal, but I could survive on much less.
/agree with anonymous to an extent about Roth.
I don't invest in Roth right now, but that's because a chunk of my income is in the 25% tax bracket. I will always fill out the 15% tax bracket with income. If I have any left after paying living expenses and debt, I will invest that into a Roth IRA in the future. I'm sure over the course of my life, there will be times that my income is very low due to job loss, economy, extensive tax deductions, etc. In those years I will take the opportunity to convert some tax-deferred income into tax-paid at a very low tax rate. if the economy and the market are low at the same times, then I get to convert at a smaller value and save even more taxes.
There is no right answer for everyone. It all depends on how much money you have to work with or if you have other investment or business opportunities. In my case there are many farmers in my family. If I get an opportunity to buy farmland and work with family to farm it, then that is a good investment vehicle for me but may not work for others. You have to pay a little extra to keep the extra liquidity and take advantage of opportunities like this. If you sock away every dime to your retirement account you can find yourself with impressive net worth but no available cash if you need it.
8Anonymous Says:
April 15th, 2010 at 5:51 pm
Even with a lot more income, I'm still going to come out ahead. Assuming you're in the 25% bracket, for your Roth contributions, you're paying 25% of your contributions in taxes now to pay nothing later.
Me? I'll pay nothing now; at withdrawl, I'll pay nothing on the first $20,900; 10% on the next $16,700; and 15% on the next $51,200. My total taxes on $88,800 of income are $9350, or approximately 10.5%. Even if you're in the 15% bracket now, I'm still ahead by 4.5%, which is a non-trivial amount.
If you don't plan to have any taxable income at all in retirement (think Trad IRA/401k) I'd think long and hard before believing Roth is the only way to go. That's especially true if you're in the 25% bracket today.
9Mark Says:
April 15th, 2010 at 8:54 pm
I retired recently at age 62, with a net worth of about 750k. About 580k of that is stock and bond investments and cash, the rest real estate, including one rental house. I have zero debt — no mortgages, no car payments, nothing. I make about $1200 per month working part time and the rental nets about $600. I budgeted for spending $20k/yr from the investment portfolio, and so far this year I've spent just over $2.5k, much of it on one-time expenses. At this pace I'll only need to pull $10k from the portfolio for the year. My lifestyle is fairly modest, but the key is NO DEBT!!!
10Courtney Says:
April 15th, 2010 at 9:48 pm
Anon: I didn't mean to imply it was the only way to go. Counting our employer matches, our annual retirement savings are about 2/3 in 401K accounts and 1/3 in the Roths. And like I said, we do plan to have taxable income in retirement – hopefully quite a bit!
The Roth also helps us diversify against a future unknown: tax brackets (which I believe are only going to go up – but I can't say this with 100% certainty). An additional advantage is that we will have to take minimum distributions from the 401K accounts, but we never have to touch the Roth unless we want to; another is that when we get closer to retirement we will reallocate across the accounts to hold more equities in the Roths and more cash/bonds in the 401Ks to minimize the chance we'll be required to sell stocks at a market low in order to fulfill the minimum distribution requirement.
So, unless one is absolutely certain they won't have taxable income in retirement (and I wouldn't want to live that lifestyle, personally, but others might be just fine with it) I think it's good to have BOTH types of accounts.
11Michael Harr @ Wealth...Uncomplicated Says:
April 15th, 2010 at 9:58 pm
$728,000…not that I've put a lot of time into figuring this out. One quick way is to subtract Social Security and any pensions from your retirement income goal, then take the remaining income and multiply by 20-33 depending on how long you expect to live. 20 for shorter lives and 33 for longer ones.
Assuming my wife and I average $50k in earnings each, we would receive Social Security at $1,775/month or $21,300 each. That gives us $42,600 + the income from the $728,000.
How much income from the nest egg? At a 3.33% withdrawal rate, that's $24,266/year.
This totals out to $66,866/year which would be about 1.33 times median household income. Plenty to live on when you're debt free.
To estimate your Social Security benefits, go to: http://www.socialsecurity.gov/estimator/
How to do it, go to: http://bit.ly/bxCXH5
12Ethan Says:
April 15th, 2010 at 11:40 pm
William Bernstein and Jim Otar have convinced me that the 4% rule of thumb is too risky. I use 3% for my expectations. Assuming no mortgage, I would need $1.5 million to produce $45k per year (that's all after-tax because my retirement accounts are in a Roth IRA).
If the first 5-10 years of retirement went well, then I may be able to move to 4%.
13Chris Says:
April 16th, 2010 at 4:22 am
Hmmmm, at first I thinking around $2 million. Then I realized that I'm going to start getting free health care in a couple years. Considering that and along with the really nice tax credits I've been getting, I just might be able to make it on $1 million. Wait a minute. I was just unemployed for a few months and realized people can get free food, free bus fares, reduced utilities, help with medical costs, help with housing costs, etc. And get this. I even found out some people can qualify for cold, hard cash assistance! Boy have I been living in the dark. So now I'm thinking maybe $250,000.
Ok, sorry for the extreme sarcasm. Real answer – $1.5 million. Unless I move to Central America.
14Stacey Says:
April 16th, 2010 at 9:00 am
$500,000 in today's dollars – not counting on Social Security, but our current lifestyle means we'll need about $20,000 per year. Thank you, small town life.
Count me in as a traditional IRA fan, too. I had to explain to my financial advisor why a traditional IRA was best for us – that was a sign that we needed a new advisor! If the tax system stays the same (exemptions, deductions, ect) we won't pay taxes. And if we switch to a consumption-based tax system, EVERYONE (Roth and Trad fans) will pay the same amount of taxes. I'll take my deductions while I can get them.
15Love the ROTH, but not monogamously Says:
April 16th, 2010 at 9:12 am
Ya know – the hubby and I are VERY frugal people…but you better believe we'll be living on more than $20K, and even more than 37K per year when we retire! (so many things we want to do!) So we're socking enough away in 401K and traditional IRAs so that we have just enough "taxable" income so we never break out of the 10% tax bracket in retirement. The rest goes into ROTH accounts (and last year, we maxed out both ROTHs, and we'll do the same this year – while we are still *just barely* in the 15% tax bracket and have many years for the money to grow competely tax free. As we get closer to retirement and our yearly income grows to the point we break out of the 15% tax bracket, well start funelling money back into the traditional IRA).
If we were to retire NOW – assuming NO debt (not even mortgage) and we'd actually get SSI, I would say about $1 million. But since we are just over 20 years away and don't count on 1 penny of SSI, I'm aiming for a bit of a higher number But still strategically planning to have little to no taxable income in retirement. (Courtney, with the new health care pogram and all the other entitlement programs, I'd bet you're right – taxes WILL increase!)
Chris – that was funny!
16Daron Says:
April 16th, 2010 at 9:34 am
If the target withdrawal rate is 4%, as the post discusses, and one has the money to make that work for them, the total amount is immaterial, particularly when taking into account inflation since the 4% withdrawal rate implicitly does that for you. Just take what you need in retirement, divide it by 0.04, and that's the number. Having ranges of $3 million to Z$5 million seems to be very subjective.
17Courtney Says:
April 16th, 2010 at 10:24 am
Daron – it's not subjective. I didn't just pick a number out of a hat! I have taken what I think we will need in retirement – replacing our current income. Dividing by 0.04 or 0.03 (like Ethan also suggested) gives me roughly a range of $3-5M. I've done several retirement calculators and they mostly give me the same number range too.
The problem with planning for retirement while you're still in your 20s is that you really have no idea how much you need. You can only guess, because of things like taxes, inflation, future expenses, market return and such. All you can do is make your guesses conservatively, diversify as much as possible, and try to save more than you think you'll need. I'd rather leave a million dollar estate than run out of money before I die.
18William Peiffer Says:
April 16th, 2010 at 11:34 am
With unknown future tax rates,and inflation (both expected to rise rapidly in the near future),the value of the dollar sinking because of the Feds printing presses (with no abatement in sight), planning with any accuracy is improbable.
19Rosa Says:
April 16th, 2010 at 12:20 pm
I said this over at Get Rich Slowly, too:
The big unknown is medical costs. If we get single payer in this country, my partner and I will probably retire at 40, because right now we're over-saving in the expectation of spending our last few years needing the kind of care our grandparents needed at the end – memory care home, supportive living, and in the end hospice care. And these were extraordinarily healthy people, that's why they got to be 90, 95 years old before they needed expensive medical support.
20Jim Says:
April 16th, 2010 at 3:39 pm
#13 Stacey says,
"And if we switch to a consumption-based tax system, EVERYONE (Roth and Trad fans) will pay the same amount of taxes."
Are you assuming that a consumption-based tax (VAT) will be implemented instead of an income tax? If the consumption-based tax is levied in addition to income tax then traditional fans will still have the potential income tax liability.
21Red Oscar Says:
April 16th, 2010 at 5:40 pm
I retired 10 years ago at the age of 48. Before retirement, I built a financial plan to age 92. The wife still works part time as a substitute teacher, but we are able to save a lot of her earnings. I do have a small pension. I believe in using present value calculations of pensions and social security to come up with a meaningful estimate of assets available in retirement. Including savings, retirement accounts, and the PV of any pension + social security, I believe a person could manage with a $2M pool of assets. After 10 years, we are still within reasonable limits of being on target with our plan.
22Squirrelers Says:
April 19th, 2010 at 1:56 am
At 65 today, I would say that $1.5 million would be a good figure, in the absence of a pension. Sadly, this is not going to be possible for most people who are very close to 65.
Of course this is all subjective, based on one's health and spending levels.
For those of us in younger generations, I would recommend saving early and significantly. Don't count on social security, and don't count on a pension. Expect to be on your own. Thus, the need to save early, invest wisely, and let money grow through compounding.
23mike Says:
September 22nd, 2010 at 11:16 am
I think all of this 1-2M stuff is ridiculous. Do you think that everyone that is retired TODAY is a millionaire? My grandmother is 97 and has been retired for over 35 years. She lives in a nice apartment outside of a major city, survives on social security, medicaid and nothing more. No, she can't go on a cruise every year, but we take her on family vacations and out to supper often. I know many older retired folks who have maybe a hundred grand in the bank or much less, living in comfort. No debt is the key. But in retirement, you're not spending what you do at 35 – not even close. Just something to think about.
24Randy Says:
October 18th, 2010 at 11:10 pm
I am 60 years old and I think $1.3M will do it. I will be receiving $30k per year in social security payments at age 66(my planned retirement age), and of the $1.3M, $300k will fund an annuity paying $20K per year for the rest of my life. I will have to take insurance on myself of $500k to replace that $20k annuity if I die before my wife. I should be able to take 5% from the $1M balance every year. That's $100k / yr… Surely I can live on that. The issue comes in if we live for more than 20 years after we retire. Costs could rise to 3x what we need today.
25Nevstar Says:
November 10th, 2010 at 10:59 am
Guys you got to figure in a 3% annual inflation rate. I am 38 now and Could easily retire on $4,100 a month after taxes. Keep in mind I have $1,000 in that for medical insurance and out of pocket expenses given todays rates of medical care. To get $4,200 a month I would have to figure in another $750 in Fed Taxes and $250 for state taxes given 2010 tax levels and married filing jointly. So we are looking at $5,100 a month or $61,200 a year including tax in TODAY'S DOLLARS. As I am 38 I have 27 years before I am 65. Now at 3% inflation rate that $61,200 becomes $132,000 inflated dollars. Now the standard rate of withdrawal at 4% means I need a retirement account at $3,300,000 (3.3 Million)
Another way to say that is $1.4 million in todays dollars will be 3.3 million needed to buy the same stuff in 27 years.
Inflation should be our real concern. I am saving everything I can, but it is going to be an effort to hit 3.3 million. I don't even want to run the numbers based on the money that has been flooded into the market by the FED. If we hit 5,6,7,8 % inflation in the next couple of years that will cause my 3.3 million to have to swell to 4.3 or even 5 million to buy the same amount of goods.
We are in serious trouble in this country and the only answer may be to leave it during retirement years and go and live in another country where Medical sucks but the cost of living is really low.
I really worry for all of us, and these comments above really show how blind we all are, totally forgetting about inflation in our calculations.
26David Says:
December 7th, 2010 at 12:22 pm
If you retire at 65 today, I would need $1M with no mortgage and no debt with Social Security. And if you live in your own house and have 200K raining money, you will be living very comfortably.
27Mike Says:
January 11th, 2011 at 8:08 am
We have accumulated retirement plans and savings worth $1.2Million. We will retire at 63/62 me and my wife.
This figure is far more than enough to get us into our 90's with some to spare. We will start off with about $85,000 a year and increase our yearly income by about 2%. However our first 5 years we will only tap our 401's by about 1%. With pensions at about $35,000 and combined SS at $35,000. I only need to tap our 401's for about $15,000 which would be only about 1.5% of it.
I have figured inflation and expect to have extra put aside for Health Care which we assume will cost us about $300,000 over our remaining life time.
We have been blessed to be in this position. Good planning and saving at a young age put us here. Of course prayers were always a part of our decision making.
28Mike Says:
January 11th, 2011 at 8:10 am
I neglected to note -in my prior comment.-hat my wife and I are currently 58/59 planing on retirement in four years
29retirement guru Says:
February 9th, 2011 at 9:34 am
it makes no sense to talk about absolute numbers. for you to never run out of money it's very simple, you need 2 things.
1. a place to live that is paid off
2. investible assets of 25 times your current expenses.
you then invest your assets in a balanced porfolio and you assume that long term you will be able to generate at least 4% of after tax return.
so if your house is paid off and you need $100k a year to live, you need investible assets of $2.5m.
this is why you must control your expenses, for every $10,000 a year you spend on dumb stuff, you need an extra $250k in after tax dollars in your nest egg!
i have done the math a million ways, and this formula works.
good luck everyone.
30Lubster Says:
March 6th, 2011 at 1:45 pm
I have 2.4 million in retirement acct, 190,000 in cash and 895.000 in a variable annuity. I owe 380,000 on my house and I am 62. I guess that comes out to 3.4 million. The only debt other then the house is my son's 1,000 a month college loan he can't pay for himself and I co-signed. I have no idea if I can retire on that yet or not. I think I want to try to work a year or two more. My ira is not a Roth either. I feel good about where I am but still dread having to start using this money.
31Lubster Says:
March 6th, 2011 at 1:45 pm
I have 2.4 million in retirement acct, 190,000 in cash and 895.000 in a variable annuity. I owe 380,000 on my house and I am 62. I guess that comes out to 3.4 million. The only debt other then the house is my son's 1,000 a month college loan he can't pay for himself and I co-signed. I have no idea if I can retire on that yet or not. I think I want to try to work a year or two more. My ira is not a Roth either. I feel good about where I am but still dread having to start using this money.
32John Says:
September 3rd, 2011 at 6:52 pm
I think it is funny how everyone is talking in the "millions". Here is some interesting information….in the US, there are only 2.9million people out of 350m people in the country who have a net worth of 1m or more! Secondly, there are only 10million people IN THE ENTIRE WORLD who have a net worth of over 1 million US dollars! One can wish all they want, but ultimately most people will have to retire on much less unless they win the lottery. And to the people on here who are discussing 1, 2, 3, or even 5m net worths, count yourself very lucky! You are in the top 1% of the country and in an elite position by far in the world! We in this country just have a hard time realizing this. And finally, here is the scoop on these comments:
1. If you are reading this article and posting, you are actually aware of planning for this and may have a better chance of making it to your goal.
2. Most of the people reading this article because of number one probably already have a substantial net worth!
So do you want my opinion? 1 million is still a very valid number. Especially if you move to retire to a lower cost area to live SINCE YOU DO NOT NEED TO BE IN THE CITY TO GO TO A JOB PAYING YOU THE BIG BUCKS!
1 million will easily do the trick if you do not have to commute or worry about working for a living in order to save the 1 million in the first place.
33Mike Says:
October 24th, 2011 at 1:59 pm
Although its obvious that everyone's amount is dependent upon their income/expenses in retirement I think its great to have a plan. I don't think many people do but once you have a plan you can make financial decisions to achieve the plan and maximize your retirement enjoyment. I've had to revise my retirement age (older) based on my recent investment performance and reducing its future expectations.
34miker1951 Says:
October 24th, 2011 at 2:11 pm
That number one says of only 2.9 million people have a net worth of $1 million seems a little bit low out of the hundreds of millions qualified. I am not sure that survey is good. I was only a high school graduate who made it as a 33 year company man as an hourly employee and it wasn't difficult for me over those 33 years to accumulate the wealth having a combined net worth of $1million. That's combined with my wife who also worked only 20 years at a meager salary. We earned every penny with no inheritance or freebees along the road. So with a little sacrifice it's very doable. I think there a lot more than 2.9 million people that have this kind of wealth. Much much more.
35kim Says:
December 23rd, 2011 at 4:48 pm
I am 50. My husband is 57. I estimate $600,000-$700,000 is what I will have in 10 years.No mortgage,with no obligations.Can I retire and be okay,in 10 years? I want to retire with my husband. We are at $300,000 right now,and he has a $700 mo pension. Am I dreaming too big?
36Rich Says:
February 5th, 2012 at 1:28 pm
I shocked by many of the comments. I can't believe anyone would plan on having a mortgage or student loans till they are 65—and even waiting that long to retire for that matter. I guess if you love your job, I can see it….or I guess if you thought you needed that extra huge house, or had 8 kids, or like expensive new cars every two years….and lots of toys and electronics.
We are 46 and have 1.35 M net worth right now and did the math to easily retire right now based on our modest living standards. However, the plan is to wait 6 years simply because I really love my job and in 6 years I will qualify for low cost health insurance benefits. I can afford to pay the extra now for health but but might as well just take it.
Remember this simple fallacy that many people forget and retirement calculators neglect. If you are putting 20% of your income away, then you certainly don't need to live on 100% of your current income when you retire. It would be no greater than 80% to live on because you are already doing it now. I put away 50% of my income and therefore, I can easily live on 50% when I retire. That will lower my taxes and actually be effectively more.
This whole notion of needing several million dollars at age 65 to me means you are going to go hog wild spending money on campers or boats or something at retirement. I thought once that I needed $3 million but I figured out the spending side of the equation is just as important as the saving side.
37Woodrow Says:
February 15th, 2012 at 3:17 am
Well, I guess I will be poor. I am going to retire next month with only a 100k saved. I do have two government pensions in addition to social security, so I won't be making too much less than I am now working. It would be nice to have 500k or a cool million, but I am pretty sure that I can make it within altering my life style any.
38Mr D Says:
February 15th, 2012 at 10:20 am
This is something that will work for me with no guilt just gratitude. I am partialy disabled collecting a good social security benefit + Welfare however very little SAVINGS. My wife and I or I should now say X-wife now got divorced (on paper) before I went on disability and welfare, so we can live a better financial life on OBAMA's ticket. We still live as husband and wife, she works a good job and will get a decent pension. I have a twin brother who is extremely wealthy and as has probably $2.5M in his 401/IRA. He was never married and we are as close as twins can be. He has about 2 months to live. He recently told me that I was his sole beneficiary. I had him change the beneficiary to my X-wife instead and this may not be so moral but I asked him if he would go through the process of marrying my X-wife thus making her the surviving spouse of his retirement pension and get her a the max in Social Security. He agreed as he realizes my x and I have done a great deal with him over the years and we a caring for him in his last days. His gratitude is doing this for us. In time my x and I will marry again and live a fantastic life thanks to my dearest twin brother. My wife and I struggled most of our lives, my brother helped when he could and he lived an elegant life. He says in his deathly state that it's my turn. So in the end by him marrying my wife she will get all of his pension, retirement of $2.5M and his Social Security Benefit. In about a year I will give up Unemployment and Welfare after we get married as I won't need to milk Obama any more than I have to. But I thank my dear bro for helping us out. Nothing here is dishonest just a way of doing business. No guilt here. I love my bro and we are doing all we can for him. He still works and said he will until the day he dies. Fortunately he has a great health insurance plan.
With the pensions my wife will be getting and Social Security our income alone will be about $120k/yr without even touching the retirement savings. That works for us. Our divorce is on paper and we still live together and will be celebrating our 45th anniversary together. Thank you very much bro.
39Mike Says:
February 27th, 2012 at 3:14 pm
As a married couple we will retire at ages 62/63 with social security benefits, both starting early will get a total of $24,000/yr. Our expenses equal about $50,000 living comfortable with ZERO DEBT. On top of our social security benefits we will also be getting an additional $34,000/yr in pensions total of $68,000/yr without tapping into our $700,000 retirement savings plus another $300,000 in annuities that will not start tapping for another 10 years. We may never have to tap our $700K retirement savings for another 20+ years into retirement which then may equal over $1million.
I think we will do much better than we ever expected we could have. We are blessed.
For those blue collar workers, I was one. They can do the same if you are diligent in maxing out your 401's and IRA as soon as you are able and reduce your debt as fast as you can.
40Daevid Says:
March 14th, 2012 at 1:05 am
You are all very lucky. I am 59, and have only about $180,000 saved in retirement accounts; this despite having saved for 25+ years, and invested just as all the conservative advisers have advised. 15% of my income, year in, year out. I'll need about $30k net in today's $s. I will get $1k/mo. at age 62 in s.s. payments, so will need $18k per annum minimum from my portfolio. Which means I need about an additional $400k… not encouraging, in this investment environment. My health is declining, so the idea of having to work for another 15-20 years is daunting, to say the least…
41Cheapo Says:
March 24th, 2012 at 9:17 am
I've been working for 40 years (soon to be 63) making "Middle Income" money. I spent my life NOT buying a new car every 3 years, NOT running up credit card debt, NOT eating out every other night and not taking lavish vacations twice a year, (OK, maybe something extra nice every 2 years) and I paid for the college education of 2 children. As a result I have $4mil in the bank and investments, not counting the value of my house which is paid off. I have no debt and I'm still not sure that I'm going to be OK in retirement, reason being I don't trust congress to do anything about the SS fund or health care costs. So I'm still working at a sucky job. I'd like to retire, but the lack of intelligent "leadership" in Washington has me feeling very unsure about the future.
I guess I could retire, but I'm not sure if there will be anything left at the end for the kids so I'm hanging in. My ultimate goal is to live off the interest and dividends from my investments and keep the principle reasonably intact.
Does anyone think that's plausible?
42Red Oscar Says:
March 24th, 2012 at 1:02 pm
@Cheapo…….First of all, we have no "Leadership in Washington" and I don't believe you and I will live to see the day when that might even happen.
But I feel that with what you have accomplished, you and your family will do just fine. Whether you want to retire is your business and only you know that answer. Now all you need to do is keep the government from stealing what you have saved, and hope to not be so unlucky that all your savings goes to divorce lawyers, nursing homes, and other assorted hazards out there. Also hope that your kids are smart enough that if you share with them now instead of when you are dead, they will use their gifts wisely.
So as you can see, there are still plenty of things to worry about. Isn't life grand?
43Conservative_Joe Says:
May 1st, 2012 at 8:28 pm
I can guess at a number but I really don't know the answer to this question. The amount "needed" to survive or get by and the amount needed to really enjoy retirement and be able to do a few things are clearly two different numbers. At age 49 with no mortgages, no debt, kids college already paid, this topic is something that I speculate on and even worry about every day! My largest monthly expense is health insurance.
Given our country's debt, I really fear higher taxes for all in the future. Taxing the "Rich" won't do it! Besides, politicians keep changing their definition of "Rich". It will take some middle class tax increases and lots of cuts to make a real difference. I suspect that, within 15 years, before I get to Social Security eligibility age there will be reduced benefits and/or means testing. So those of us who have prepared for retirement, will probably be penalized for having done so and will get a reduced benefit if we get any benefit at all. So I probably need to save/invest even more than initially anticipated! Currently on track to hit well over $3M within the next 5 years and I am still scared to death, fearful and uncertain about the future…
44Conservative_Joe Says:
May 1st, 2012 at 8:38 pm
@Cheapo. You have a few years on me, but I share your exact concerns! The only advise I could offer is: "Being Rich is having money, being wealthy is having time." (Stephen Swid)
As we get older we can't let our fear consume our time. This is something I struggle with daily….
45Daddyo Says:
May 7th, 2012 at 4:54 pm
For everyone reading this here is one good rule of thumb to help in your retirement planning. It has helped me over the years (I'm currently 60 and in retirement). Take the annual amount of money you think you will need in the first year of retirement and multiply that number by 20. This is equal to living on 5% of your savings (no principal reduction). While this may not fit all situations (e.g., inflation, taxes, medicial care) it is a great way at any age to see if you are on-plan or off-plan toward your retirement savings. Also be realistic as to what you think that first year of retirement income needs to be net of Social Security or other annuities. If you are within 10 years of retirement look at what you spend today and project that into the future. Younger folks it will be more difficult given the long time horizon. But remember there is no substitue for good financial planning within the last 10 years of ones working life but if you follow this one simple rule you'll be in reach of a comfortable retirement. Other things to consider in this 10 year working window is health condition or expected longevity, taxes (living in NY is more expensive than ND), think where you want to live, health care costs, long-term care. Also don't factor in your home equity into your retirement savings. You'll need a place to live and I don't like reverse mortgages. All of these can drive one to exhaust their retirement savings. It's hard to plan for the uncertainity that life throws our way but if you can muster 20 times expected annual retirement income you will be far ahead of the masses as you enter retirement. Cheerio!
46Not Worried Says:
July 5th, 2012 at 10:08 am
I am 61 retired, no pension, $700K 401's. Wife works, makes $90k yr. Has $350K 401. Yearly Expenses over the last 5 years averaged $45k-$50K. No mortgage, no debt. Lease cars and will always do so, It's our way of life and is figured into our future budget. Wife retires in 1 yr. Yearly income from SS and her pension will both total about $67K. No need to tap our 401's, for quite sometime. We also have 3 annuities that will generate approximate yearly incomes of $15-$20K per year in about 8 years. Based on that we should be able to live above our current means and once in a while treat our selves to elaborate vacations while only slightly drawing down our 401's.
We set up our plans about 15 years ago, I was a blue collar worker, my wife a stay at home mom until children in teens. She then got her Bach Deg and is now in a good paying job with a good pension. All it takes is discipline, live below your means and not waste extra money or take out unnecessary loans. Never carried a credit card balance in 40 years. Don't need millions upon millions saved to live a fruitful life style.
My wife and I have been married over 40 years, never got an inheritance. Everything we have was from hard work and diligent saving. MAXING OUT 401 when we could. We took at least 2 vacations every year and may long weekend outings. Shopping for the best deals, using air miles, etc. It can be done and still maintain a quality life style. But not above our means. Never played the game of keeping up the JONES. Always anew auto every 3 years for the last 35 years. Against the grain of may financial people but we lived our lives that suited our needs. Worked fine and still works fine. And we are still in great financial shape.
My wife and I are in a great position because we put ourselves there and many of our friends think we have a great inheritance behind us but I turn it on them and said you could have been in the same position if you planned a long time ago.
Many young people today have no idea what their financial future should be like and have no concept of preparing for it. I have two adult children that think it's too far away to worry about.
Many young people think that the government will take of them with the Liberal mind set most have today. Unfortunately the government as we know is spending far more than they are taking in. Taxes will sky rocket in the near future and inflation will rise to double digits. There is no other outcome with this administration in power. God Help Us. As we can't do it.
47James r Brown Says:
August 29th, 2012 at 7:31 am
I am retired, only get 1250. a month from ss.Wife still works but I have it figured at 32000. a year when she does retire.I paid off all my depts before I got forced into retirement, by a layoff.No more factory jobs in this area of country and the few that were open, seemed to me they did not want older workers, their loss,I had worked for alot of years.I think that we will be fine. I always could save money, but is harder now days.Maybe if I have trouble making ends meet the people that I helped make it all those years can return faver, What do you think? I am not holding my breath!! One other thing I do not know anyone that has a millon in their retirement plans most have told me that is because the cost of everything in our country is getting out of control.
48Fig333 Says:
September 1st, 2012 at 10:55 am
Am 55 years old. Do not have a pension. Do not have any money saved up. Have a 399,000 interest only mortgage that expires in eight years. I make 60,000k a year. I thought my house would appreciate in value when I took out the loan in 2004 but it is worth less than what I currently owe on it if I could payoff the loan which I can not. Most of the people I know are in a similar situation. Looking back on how I and people like me got into this situation stems from the useless bums in congress that allowed the banks and financial people to manipulate and enable credit default swap investments that were worthless. Have you noticed not one person of the thousands upon thousands involved (including the regulators) have been prosecuted or charged. I also took the time to look at the political donations made by Fannie Mae and Freddie Mac and other large culprits in this scheme! Both democats and republicans are totally dirty in this crap.
I am happy for people who have positioned themselves well for retirement. I am not happy with the bottom deck dealing our elected officials did and continue to do at our expense. I take responsibility for not saving enough up to this point but I also sought the facts to determine why things have gone so badly for home owners since 2007 since a lot of our wealth is tied up in our homes. Bottom line, your elected officials screwed you. Never forget that and vote accordingly.
49Morris Says:
December 1st, 2012 at 9:14 pm
Fig333….really…?…you have NO savings at age 55….you took out an interest only loan expecting the value of the home to only go up ? AND YOU blame all the people that sold you this gig ? You're and idiot….That's why you're broke.
50Mr Mike Says:
December 2nd, 2012 at 12:24 am
Ok I am 61, retired. Will collect SS at 62. Wife still works and retires in a year or more. Will invest all my SS income in high yield stocks that will return dividends of 10% or more. There are plenty out there if you look. I have $1.2 million in retirement savings. My wife and I will live on a combined income of $75,000 from both Social Security and Pensions. We will only tap into our retirement for yearly trips and major luxury purchases. Our typical expenses were much less than the $75,000 we will use for retirement. We were and are middle income wage earners and never carried debt in all of our lives outside a mortgage and car payment. We save much like the note from "Not Worried" above. It can be done. I personally do not know anyone that is in the same position I am but it was and is doable. Dave Ramsey says it like it should be. We have been living Dave Ramsey's code all our life without ever knowing who he was or didn't even know about what he preaches about getting out of debt. We are considered millionaires under his definition but would never put myself in that category. We just don't spend like one or live like one. We are the common Joe next door. I am grateful that we were never burdened with tragedy and good health. We are Blessed. Our goal in retirement is to travel and give away our accumulated wealth to those in dire need. In our travels we will seek out those who truly deserve a helping hand. The reward will be great
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text:
American English: /ˈwɔdərˌbɔrdɪŋ/ British English: /ˈwɔːtəbɔːdɪŋ/
Translation of waterboarding in Spanish:
- ahogamiento (masculine) simuladoasfixia (masculine) simuladaExample sentences
- Under the argument above, either incarceration is torture or waterboarding is not.
- I've always been on the fence about whether waterboarding constituted torture.
- Amnesty International once again show their true political colours in a campaign ad against the practice of waterboarding.
Definition of waterboarding in:
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= trending

subset: commoncrawl


text:
Carter key to new 3-4 defense at Nicholls
Published: Friday, September 17, 2010 at 9:12 a.m.
Last Modified: Friday, September 17, 2010 at 9:14 a.m.
THIBODAUX — His red No. 93 practice jersey shredded into pieces and barely hanging off him, A.J. Carter just kept working.
The Nicholls State junior nose guard didn't seemed fazed by it during drills on Tuesday at the Colonels practice fields.
"During one-on-one pass rush, one of the guys held me, and as I was getting off his block, my jersey ripped," Carter explained. "Getting held is just a part of the game, so I don't really complain."
Like their opponents in the first two weeks of the 2010 season, Nicholls offensive linemen have learned that holding the 6-foot-2, 300-pound Carter has been one of the only ways to stop him.
Carter, who was soon fitted with a new red cut by a trainer on Tuesday, has emerged as one of the top players on the Nicholls defense, racking up six tackles, a sack for a loss of nine yards and a quarterback hurry in the team's opening two games.
But now that Nicholls has switched from a 4-3 defense (four down linemen and three linebackers) to a 3-4 defense (three down linemen and four linebackers), Carter, a Thibodaux High graduate, won't be graded on statistics.
He will be expected to be a space eater in the middle, freeing up linebackers to make tackles.
"He is the defense," Nicholls defensive coordinator Jeremy Atwell said. "Now no one person is bigger than the defensive scheme itself, but if you don't have a nose guard who can take up more than one blocker by himself, you can't run this defense. If you look at the Baltimore Ravens and the New York Jets (who run the 3-4), they all have those guys. That is what we are asking him to do. We have some good players around him, but we are only going to go as far as he'll take us."
First-year Nicholls head coach Charlie Stubbs said the new defensive scheme, born of necessity because of injuries along the defensive front, has been good for Carter.
"Just going to the odd-man front has allowed him to cause some havoc in the middle, and he has," Stubbs said. "He has been a very good surprise. I think that defensive change has really helped his productivity."
Carter said he has adjusted well. He got into the backfield numerous times in a loss last week at Western Michigan and played well in the season opener at San Diego State.
"I like it," Carter said. "I just go head up against the center when the ball is snapped and come off it. It's pretty easy. It's not complicated at all. It frees your mind up which frees your feet up so you can just attack the center and play."
But for as well as he has played this season, Nicholls coaches expected more from Carter earlier in his career.
He was red-shirted in 2007. Carter was a backup in 2008 and played in six games, then played in 10 games last season, started eight, made 21 tackles and had a tackle for a loss, a sack and forced a fumble.
"A.J. hadn't progressed the way we wanted him to until this year," Atwell said. "This year he has turned into a man. He is taking it more seriously. A.J. is as good an athlete as you will find. If you put him into an SEC school, you wouldn't be able to tell the difference. He is a 6-foot-2, 300-pound guy who can dunk a basketball. He's a freak of nature. There's no telling how physically dominating he can be as an interior defensive lineman."
Atwell said he started seeing positive signs from Carter early in fall camp.
"I think having a little bit of success in fall camp was key for him," Atwell said. "We tinkered a little with the 3-4 in camp. The defense in the 3-4 kind of revolves around the nose guard. Once he understood that, he grasped things better, and that's when we started to see him blossom."
Carter said he has grown in recent months, learning to take criticism constructively from coaches instead of letting it negatively affect him.
"I realize the coaches ride me, not because they don't like me, but because they want me to do better," Carter said. "It should have happened sooner. Now coming out, I just feel like I need to step up. This is my junior year. I'm not a young guy anymore. People look up to me. I got pushed into that position, but I don't mind. I'm embracing it."
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text:
Mike Arcuri
|This biography of a living person needs additional citations for verification. (March 2015) (Learn how and when to remove this template message)
|Michael Arcuri
|Member of the U.S. House of Representatives
from New York's 24th district
|In office
January 3, 2007 – January 3, 2011
|Preceded by
|Sherwood Boehlert
|Succeeded by
|Richard L. Hanna
|Personal details
June 11, 1959
Utica, New York
|Political party
|Sabrina Deon-Arcuri
|Carmen Joseph Arcuri
Dominique Arcuri
|Utica, New York
|Alma mater
|University at Albany (B.A.)
New York Law School (J.D.)
|Roman Catholic
Michael Angelo "Mike" Arcuri (born June 11, 1959) is an American politician who was the U.S. Representative for New York's 24th congressional district from 2007 to 2011. He is a member of the Democratic Party. He lost re-election on November 2, 2010, to Republican Richard L. Hanna.
Arcuri is a member of the New York Industrial Board of Appeals.[1]
Early life, education and career[edit]
Arcuri's father was Carmen Arcuri. His mother, Elizabeth, retired as a stenographer. Arcuri graduated from Thomas R. Proctor High School, in Utica, New York in 1977.
In 1981, Arcuri graduated from the State University of New York at Albany where he majored in history and minored in economics. In 1984, he graduated from New York Law School and was admitted to practice law in New York state in 1985.
Arcuri returned to Utica to open a law office in 1986.
Oneida County District Attorney[edit]
In 1993, Arcuri was elected District Attorney of Oneida County, home to Utica. He was only the third Democrat ever to hold the post, and the first in 40 years.
U.S. House of Representatives[edit]
The 24th congressional district encompasses a large swath of central New York, including Utica, Auburn, Rome and most of the suburbs of Binghamton.
A member of the moderate Blue Dog Coalition, Arcuri was named by the National Review (March 2010) as one of the most Centrist members of the House, with a voting record of 50.2% liberal and 49.8% conservative, a distinction he shares with only one other member of Congress.[2]
Committee assignments[edit]
- Committee on Transportation and Infrastructure
- Committee on Rules
In November 2006, Arcuri defeated State Senator Ray Meier for the 24th District congressional seat left open by the retiring Sherwood Boehlert. Arcuri won by 54 percent of the vote to Meier's 45 percent, becoming only the second Democrat to represent the area in 106 years.[3]
In his bid for re-election in 2008, Arcuri faced a closer-than-expected challenge from businessman Richard L. Hanna but prevailed. Arcuri won 52 percent of the votes to Hanna's 48 percent
In a rematch of the election two years prior, Arcuri faced off again against Hanna but lost to the Republican as the GOP made gains across the country. Republican Richard Hanna beat incumbent Mike Arcuri 101,599 to 85,624, according to figures from the state Board of Elections.
Personal life[edit]
Arcuri has two children from his first marriage with Barbara Arcuri, Carmen and Dominique. They divorced in 2002. He married his second wife, the former Sabrina Deon, in August 2007.
- ^ http://industrialappeals.ny.gov/directory.php Board Directory, New York Board of Industrial Appeals
- ^ Voteview, 110th House Rank Orderings, http://www.voteview.com/hou110.htm.
- ^ "Election 2006". CNN.
External links[edit]
- Arcuri for Congress official campaign site
- Biography at the Biographical Directory of the United States Congress
- Profile at Project Vote Smart
- Financial information (federal office) at the Federal Election Commission
- Profile at the Democratic Congressional Campaign Committee
|United States House of Representatives
|Preceded by
Sherwood Boehlert
|Member of the U.S. House of Representatives
from New York's 24th congressional district
|Succeeded by
Richard L. Hanna
- 1959 births
- Living people
- People from Utica, New York
- New York Democrats
- County district attorneys in New York
- University at Albany, SUNY alumni
- New York Law School alumni
- Members of the United States House of Representatives from New York
- Democratic Party members of the United States House of Representatives


text:
Letter carrier recovering from pit-bull attack
Published: Saturday, July 17, 2010 at 6:01 a.m.
Last Modified: Friday, July 16, 2010 at 11:38 p.m.
HOUMA — A postal worker is recovering from an attack by a pit bull Tuesday afternoon in Houma.
The attack left 55-year-old Benny Rhodes with severe injuries to both legs, police said. The 50-pound dog, nearly 2 years old, is at the Terrebonne Parish Animal Shelter waiting to be killed.
The dog attacked Rhodes about 3 p.m. in the 1200 block of Bourg Street, said Sgt. Dana Coleman, a Houma Police spokesman. The pet had escaped from a chain in its owner's unfenced yard on Division Avenue, Coleman said.
Neighbors called police and animal control officers were sent to capture the dog. Coleman said he did not have information on how the dog got loose or how Rhodes was finally able to break free from the pit bull's jaws.
Contacted by phone at home Friday, Rhodes would not discuss the attack or his recovery. Rhodes says he's worked for the Postal Service for 10 years.
The pit bull's owner, Roosevelt Spencer, was issued a summons for failure to restrain the dog. He faces a fine of up to $500 and up to six months in jail, or both.
Spencer turned the dog over to the shelter, said Valerie Robinson, shelter manager. If he had decided to keep the dog, he would have had to attend a so-called "dangerous dog hearing" in District Court where a judge would decide the punishment.
Instead, the dog is being held at the shelter for the state's required 10-day period. After that time, the dog will be killed, according to shelter workers, because it is considered aggressive and unfit for adoption.
Dog bites and attacks on postal workers occur every day across the U.S., but in smaller towns like Houma, the incidents are less frequent, said McKinney Boyd, U.S. Postal Service spokesman for Louisiana.
In 2008, 3,129 attacks were reported to federal Occupational Safety and Health Administration and another 2,863 were reported in 2009.
"We take dog bites extremely serious in the Postal Service," Boyd said. "Any time they're chased or bitten by a dog, that's a traumatic experience for a postal worker."
The Postal Service constantly works with local government officials to enact and enforce laws for restraining animals, Boyd said. The federal agency also teaches precautions that letter carriers can use when approached by an aggressive dog, such as putting their letter satchel between themselves and the dog or using dog mace, he said.
Dogs are territorial, he added. So even pets that are calm with their owners or family may end up attacking someone on their turf. That's why proper restraints, such as leashes and fences, are important, he said.
Terrebonne Animal Shelter workers encourage residents to report dog bites or aggressive dogs to the shelter by calling 873-6709 or to local law enforcement. The Houma Police can be reached at 873-6371 and Terrebonne Parish Sheriff's Office at 876-2500.
Staff Writer Naomi King can be reached at 857-2209 or firstname.lastname@example.com.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


text:
I'm in a strange place here. I've written an algorithm, and am now not certain how to document it. I'm looking for assistance in turning this logic into a precise description.
I have a method that takes a variable number of groups as input and spits out a large set of results. The number of results varies with the distribution of items in the groups and the number of groups. I can calculate the number of results that will be created as such:
In Psudocode:
(# of groups -1) * (# items in group 1) * (# items in group 2) * ... * (# items in group n)
In English:
The number of groups minus one, times the number of items in group 1, times the number of items in group 2, times the number of items in group 3 ... etc.
Both the pseudocode and English descriptions above seem unwieldy.
How do I more succinctly describe this algorithm? Is there a compact mathematical formula? Or can it be described with more precise words? Better Pseudocode? Any advice would be greatly appreciated.


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text:
The Spherovelo: A Bike for Toddlers
A new balance bike aims to give toddlers an early taste of two-wheeled freedom by rolling on balls instead of tires
YOU'RE NEVER too young to learn to ride a bike—even if you can barely walk. That's the idea behind the Spherovelo, a new foot-propelled vehicle from the British children's bike-maker Early Rider. Intended for toddlers 2 and under who are ambulating or "cruising," this teeny ride (just 17 inches long) simplifies the most challenging aspects of biking, but builds in enough instability to keep things interesting: Although it's more forgiving than a two-wheeler, it can still topple over.
The Spherovelo is similar to other pedal-less balance bikes, except that it glides along on balls instead of wheels. The front ball rolls only forward and backward, like a standard wheel, but the rear one spins freely, thanks to "open bearings" that roll any direction without resistance. More stable than a wheel, the rear ball follows whichever path young riders decide to head down, allowing them to "steer" by simply turning their body. The sphere-based design also encourages riders to straddle the bike with their legs more widely spread—a stance that makes it easier to brace themselves should they lose their balance. For very young riders, the Spherovelo also has a small removable "training wheel" on each side.
We had three test drivers—ranging in age from 9 to 12 months old—take the Spherovelo for a spin with those training wheels attached. While the youngest cried when we put her on top, the older riders fared better. Both figured out how to scoot around in no time and seemed delighted by the bike's maneuverability. Despite a few very low-speed crashes, the bikes were a hit.
Siblings older than the recommended 2-year age limit wanted in on the action, too. We popped off the training wheels for an eager 3 year old. Although the Spherovelo doesn't go nearly as fast as a balance bike, its rear ball did make it possible to discover a new trick: the spin out. Given the Spherovelo's modest top speeds, however, no helmet is required. $99, toytoise.com


text:
Every fast day on the Jewish calendar has its set of selichot that are said. The one exception to this is Tisha B'Av. This seems counter-intuitive to me because Tisha B'Av is the day when we mourn the destruction of the first and second Temples, which were destroyed because of our sins. It seems like Tisha B'Av should have selichot even more so than other fast days. So why do we not say them?
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- Anybody can answer
- The best answers are voted up and rise to the top
If s'lichos and tachanunim are the same thing, as I believe they are, this question is synonymous with "why don't we say tachanun on Tish'a B'Av?" The answer to that, linked here from here is
I found this answer. It basically says that since this day of mourning is so great, it is as if the "gates of prayer have been closed".
What everyone else is saying is mostly true, but there is another reason besides for tisha b'av's potential to be a yom tov, and that is because slichos is asking for forgiveness which every other fast day is about, but tisha b'av is only about mourning, not teshuvah. So to sum it all up slichos isn't connected to the happiness of the day, rather the purpose(i.e. Yom Kippur is considered a yom tov yet we still say slichos because the purpose of the day is forgiveness)


text:
Discover a selection of top forums drive wave on the internet. Come to share your passion on forums drive wave and meet other fans of drive wave. Then, why don't you create your own forum of drive wave ?
One of the best SMP Minecraft servers out there! A wide variety of Bukkit plugins including, Core Protect, iConomy, and Deadbolt to ensure you have the best possible Multiplayer experience.
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Yuma, Arizona's definitive home for 4X4 enthusiasts!
yuma, arizona, club, offroad, trails, rock, crawling, road, offroading, toyota, jeep, jeepin, jeepers, nissan, samurai, sidexside, side


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Do what feels good for you and works with your schedule. Remember the only rule to running is to be sure you get your shoes properly fitted and to just go out and do it. The rest is up to you! I prefer a.m. in the summer to avoid the heat and humidity. I love nighttime running in the fall/winter and just really can't live without my Saturday a.m. long runs.
For me, it depends on season, day of the week, and geographic location.
In the summer, I will run late in the evening if I'm home in the city... if I'm at the beach, then I find myself getting up early and always hit the boardwalk before it heats up and gets crowded.
Now that it's fall, if I get the chance to shoot down to the beach, I'll run whenever I can get there... if I'm home, I run late afternoon/early evenings during the week and late mornings on the weekends. Same pretty much goes for the spring.
Winter, I hibernate... so getting me out at all is nothing short of a miracle.
I like mornings in the summer to try to beat the heat, but the downside is the humidity is sometimes worse. Mornings in the fall, because I have more daylight. During the depths of winter I've been lucky to work from home so I can go at lunch in the "warmest" part of the day. In the spring, I like running in the evening.
Good luck you good site
Very much an evening person, favourite time to run is 8-10pm. I struggle enough with getting up for early classes without trying to get up even earlier to run.
My couch - 15 Jul 2008
Dublin Marathon - 26 October 2009
Personally I prefer mornings. I like to see the sun come up as I run and it brings back a little nostalgia for the military life (can't believe I think that now ). Also, I live near an interstate--Ozone levels are lower in the morning so it is not as hard on the lungs. That said, I have often heard taht evening runs are better because you are loosened up and can train harder. So sometimes I run in the afternoon. Sometimes I run both morning and afternoon.
I rather run in the evenings, as its difficult to get up early in the morning, plus I have limited time in the mornings before work, so its better in the evenings when I can eat something before and be more relaxed.
ACTIVE is the leader in online event registrations from 5k running races and marathons to softball leagues and local events. ACTIVE also makes it easy to learn and prepare for all the things you love to do with expert resources, training plans and fitness calculators.


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The diagrambelow shows two vectors, A and B,
and their angles relative to thecoordinate axes as indicated.
DATA: alpha= 44.3o beta= 57.8o /A/=3.7 cm. The vector A - B is parallel to the -xaxis (points due West). Calculate the y-component of vectorB. Calculate the x component ofthe vector A - B .
Calculate the magnitude of the vectorA + B.


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Death at NYU

 • The daughter of two prominent NYU professors was discovered dead in a university-owned apartment in Washington Square Village. If it's a homicide, expect it on Law & Order when the new season starts. [amNY]
• The daughter of two prominent NYU professors was discovered dead in a university-owned apartment in Washington Square Village. If it's a homicide, expect it on Law & Order when the new season starts. [amNY]
• A federal judge has ordered the city to release 2,000 pages of field reports from 2004 detailing the NYPD's undercover surveillance of political activists before the Republican Convention. The agents' names will be redacted for fear of vigilantism. [NYT]
• Joe Bruno is outraged that Spitzer reassigned or suspended his top aides instead of outright firing them, because otherwise they'd finger the governor. Wait, so the logic is that the fall guys have not fallen hard enough? [NYDN]
• With conflicts of interest galore, Mayor Bloomberg didn't make the cut on his day of jury duty; interestingly enough, the case, Tessitore v. Harris, was about corporate responsibility in an asbestos-related death. [NYP]
• And what looks to be the last-ever FDNY calendar premiered yesterday; the department pulled the plug on the entire venture after 2008's cover boy turned out to be a Guys Gone Wild vet. [7Online]


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Hi everyone! I'm popping in today to share my project for Live and Love Crafts with you. I've coloured up this cute image called Lil Bookworm Fairy by Ching Chou Kuik with my Copic Markers.
I love these new chippies in the store aswell... have you seen them yet? I think this little set of decorative circles, called Spring Circles, is my favourite ^_^
Here are the Copic colours that I've used:
Skin: E000, E00, E21, E11, E04, R20
Hair: E31, E33, E35
Outfit Purple: BV00, BV13, BV09
Outfit Blue: B91, B95, B39
Pink: RV32, RV34
Cat: W1, W3, W5
If you'd like to learn more about colouring, pop over to our online colouring classes here.
I hope you've enjoyed my project! Thanks for stopping by!


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GE Wins Orders for Wind Turbines in Brazil, Gas Plants in Iraq
General Electric Co., the world's biggest provider of power-generation equipment, won orders for more than 400 megawatts of wind turbines in an auction in Brazil and three gas generators to expand a plant in Iraq.
The buyers of GE's 1.5-megawatt and 1.6-megawatt wind turbines in Brazil's second alternative energy auction include Renova Energia SA, Dobreve Energia SA, ContourGlobal LLC and Bioenergy, Fairfield, Connecticut-based GE said today in a statement. The prices were not disclosed.
Mass Global Electric Co. agreed to buy three natural gas turbines for a 375-megawatt expansion of the Arbil power plant in Iraq's Kurdistan region, GE said today in a separate statement. The order is in addition to Mass Global's plans to increase generating capacity by 2,200 megawatts in the region.
GE Chief Executive Officer Jeffrey Immelt is tapping faster-growing emerging-markets such as Brazil and the Middle East to bolster sales. GE said in November it plans to invest $200 million to develop wind-turbine and energy technology in Brazil as it expands operations in the nation. Last year it announced a technology center in Saudi Arabia.
The Middle East remains one of the company's most rapidly-growing energy markets, with contracts exceeding $11 billion over the past two years.
In addition to power-generation equipment, GE is the world's biggest maker of medical-imaging equipment, jet engines and locomotives.


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Candice is currently working with the prominent office Tucker / Meyerson Casting
Date: Thursday, March 10, 2011, Time: 7:00p
One on One and Next Level Classes can range anywhere between 75 and 220 minutes in length depending upon the industry professional.
Cancel Deadline: 03/03/11
Fee: $105
This event is in the past.
Work ON-CAMERA with Candice, and be able to view and download a copy of your work with the feedback online!
You will work with Candice using specific sides she has chosen and assigns to you in advance based upon your headshot. Candice will give you intensive feedback and adjustments.
**Your scene is video taped & made into a movie clip!
After this class, you will receive an email with a link so
you can watch your own video clip from this class.
***Class Structure is subject to change.
Candice Alustiza-Lee is a NY-based Casting Associate currently working at Jessica Daniels Casting on the HULU series DEADBEAT. Recent projects include: RED OAKS, UNBREAKABLE KIMMY SCHMIDT, ST. VINCENT & THE CARRIE DIARIES.
Recently she worked with the newly-formed Blichfeld / Daniels casting office on a new series for the CW. Past projects include NON-STOP, MALAVITA, and DEAD MAN DOWN, as well as Royal Pains, Ugly Betty, and a number of pilots for ABC / NBC / USA / FOX / HBO.
Candice has worked with leading offices such as, Mackey Sandrich Casting, MELCAP CASTING, TUCKER / MEYERSON casting, Geoffrey Soffer Casting, Gayle Keller Casting, Bowling Miscia Casting, and at Innovative Artists.
Claire Glassford
After meeting Candice Alustiza in class, she was called in to audition for DEADBEAT on Hulu!
Nicholas Feitel
After seeing Nicholas's work in class, Casting Associate Candice Alustiza CALLED HIM IN for the upcoming Amazon series RED OAKS!
Emily Tuckman
After seeing Emily's work in class, casting director Candice Alustiza CALLED HER IN for a recurring role on RED OAKS!
Elana Safar
After seeing Elana's work in class, Candice Alustiza called her in to audition for the lead role in a short film!
Justine Llanes
After meeting Justine in class, Candice Alustiza of LAURA ROSENTHAL CASTING called her in for a FEATURE FILM starring BILL MURRAY and MELISSA McCARTNEY!
Shalyah Evans
After a class with Candice Alustiza of Finnegan/Jacobs Casting Shalyah was called in to audition for a role on ROYAL PAINS and was called back!
Austin Ku
Candice Alustiza of Finnegan/Jacobs called Austin Ku in to audition for a recurring role on Royal Pains after seeing his work in class!


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Paolo Soleri | 1919-2013
Paolo Soleri, a former apprentice of Frank Lloyd Wright, brought his vision of ecologically sensitive urban living to the Arizona desert four decades ago. Arcosanti never exactly flourished, but Soleri's emphasis on denser, vertical settlements is echoed in today's green architecture. Read obituary
This photo gallery is featured in these articles:


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Capitol Hill Critics Second-Guess Agencies Using...
Clinical-Style Validation, Regulation, and Quality Control...
Keep the Opportunities, Lose the Opportunists
Researchers Now Have a Myriad of...
Janssen Biotech is partnering with newcomer Araxes Pharma to develop therapeutics against a certain target for the treatment of cancer, under which Araxes Pharma will advance its program through Phase I to clinical proof-of-concept. Thereafter, Janssen Biotech will have sole responsibility for the continued development and worldwide commercialization of products arising under the agreement.
Araxes Pharma will receive an up-front payment and research and development funding and is eligible to receive milestone payments in addition to tiered royalties on the worldwide sales of products.
Araxes Pharma's scientific founders are Kevan Shokat, Ph.D., HHMI Investigator and professor of molecular and cellular pharmacology at UCSF, and Frank McCormick, Ph.D., FRS, professor and director of the Helen Diller Family Comprehensive Cancer Center at UCSF. Joining them in the new venture are Troy Wilson, Ph.D., J.D., president and CEO, Yi Liu, Ph.D., CSO, and Pingda Ren, Ph.D., svp, chemistry.
Drs. Wilson, Liu, Ren and Shokat previously co-founded Intellikine, which discovered three drug candidates against the PI3K/mTOR pathway. In January 2012, Millennium Pharmaceuticals, the Takeda Oncology Company, acquired Intellikine in a deal valued up to $310 million.
The Intellikine co-founders recently reunited to form Wellspring Biosciences, a pharmaceutical incubator focused on the discovery and development of drugs targeting signal transduction networks for the treatment of cancer and other serious diseases. Wellspring is organized as a drug discovery incubator, with its scientific programs organized in separate, asset-centered affiliates. Araxes Pharma is the first publicly announced affiliate.
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MDMA (commonly known as the empathogen "ecstasy") is classified as a Schedule 1 drug, which is reserved for compounds with no accepted medical use and a high abuse potential. Two researchers from Stanford, however, call for a rigorous scientific exploration of MDMA's effects to identify precisely how the drug works, the data from which could be used to develop therapeutic compounds.Do you agree that ecstasy should be studied for its potential therapeutic benefits?
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Tottenham Hotspur Message Board
you are viewing a single comment's thread.view the rest of the posts
3-3 On The Cards
It's either going to be tight 2-1 scoreline again to either party, or a 4-0 job from us. I honestly think that if Arsene doesn't start with chamberlain again, we will just walk through that halfwit defence.
I thought Bassong, Corluka etc weren't up to scratch, glad we don't have liabilities like Djuuru and Squilaci.Sort: Newest | Oldest | Most Replied Expand all replies
Well I have heard you can buy anything and Harrods, but even H's arse may be available? ha ha
Jeff, I agree. If Ade's fit, he'll be up for this. If he plays half as well as he did against the toon, he'll cause the gooner defence problems.
On our day, it would be a Lily White wash. We have the players and quality to batter them, but with RvP and Chamberlain, they pose a threat.
Complacency in this game could bite us in the arse in more ways than one.
2-1 to the Tottenham, I reckon.
- 1 Reply to Joe
They've got that window cleared and they said move your arse over because we're shoving, Gomes, Friedal, King, Bentley, Kranjcar and maybe Modric in here. And a few of the canteen staff because the pies are shyte.


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I've just installed WP and added Flexibility as a theme. When I try to access the Theme options I get the error message: "You do not have sufficient permissions to access this page."
Everything else the dashboard works without question. I created a new user, also with Admin rights, and the same happened.
A post on the Flexibility forums got no response.


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SIFF is for lovers
I would like to state for the record that it is b-a-d-a-s-s of the Seattle International Film Festival to open this year's festival with a film by the localesque Miranda July. I haven't always been convinced by MJ's work in the past, but I believe she has interesting ideas and is full of really impressive energy and ambition. The one conversation I ever had with her, in the green room of the Crystal Ballroom in Portland, left me convinced that she was on the verge of utter brilliance. I'm excited to see the movie, but in the meantime, I'm happy to visit her blog.


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Betty Teel Bivins Lovell
Betty Teel Bivins Lovell, 88, of Amarillo died Wednesday, Jan. 16, 2008.
Services will be at 2 p.m. today in St. Andrew's Episcopal Church with the Rev. Jo Roberts Mann and the Rev. Clifton A. Mann officiating. Burial will be in Llano Cemetery by Boxwell Brothers Funeral Directors, 2800 Paramount Blvd.
Betty was born Oct. 2, 1919, in Amarillo to Louise Green Teel and Bernard Peyton Teel. She grew up in Amarillo. She was valedictorian of Amarillo High School in 1937, then attended Amarillo College, the University of Texas, where she was a member of Kappa Alpha Theta and graduated cum laude from the University of Oklahoma. She was inducted into the Sandie Hall of Fame in 1983 and received the Distinguished Alumni Award from Amarillo College in 1995.
Upon finishing college, Betty returned to Amarillo and was employed by Lawrence Hagy, where she learned about the oil business.
Betty dedicated her life to her family, her faith in God and returning the blessings she felt God had bestowed on her. She felt that God had truly blessed her life and through many difficult challenges her faith never wavered.
She married Lee T. Bivins in 1945. They enjoyed sharing community interests and traveling with their boys. When Lee died in 1972, she reared her rough-and-tumble boys and assumed operation of Exell Cattle Co. Her beloved son, Lee II, "Levi," died in 1994. A new chapter in Betty's life began in 1997 when she married John J. Lovell of Santa Fe, N.M., sharing time together in Amarillo and Santa Fe until his death in 2005.
Betty held a firm belief that she must do all she could to make this community that she loved a better place. Her efforts and unending energy inspired everyone who knew her. She was a past president of the Amarillo Junior League and a board member of the Center City Advisory Committee. She served the Amarillo Area Foundation and the Don Harrington Discovery Center, which honored her with the Founders Award. Betty was recognized by Accent West in 1999 as Woman of the Century. Betty also served on the board of directors of First National Bank of Amarillo.
Betty was known for her love of flowers and her greenhouse provided beautiful flowers for many special occasions. Welcoming everyone into her beautiful home with grace, Betty had a talent for carrying out any project, whether large or small, with perfection.
Growing up in Amarillo, she developed a love of the land and became committed to the preservation of our Panhandle heritage. She answered this need with memberships on the Texas State Historical Association, Texas Association of Museums, the Wildcat Bluff Nature Center and lifetime support of the Panhandle-Plains Historical Society and Museum, which awarded her the inaugural Pioneer Spirit Award in 2003. Betty was a founding member of the Panhandle Heritage Foundation, which was responsible for the creation and production of the drama, "Texas," attending its first presentation.
In 1952, she recognized a need for a kindergarten in Amarillo, and together with her husband, Lee, founded St. Andrew's Episcopal School. Her sister, Margaret Teel, was the first teacher. The school continues to thrive and flourish because of her enduring devotion, recently celebrating its 50th anniversary.
Her love of the arts inspired Betty to become a driving force behind many organizations devoted to fine arts in Amarillo. She served on the board of directors of the Lone Star Ballet, the Amarillo Botanical Gardens, the Amarillo Symphony Guild, National Museum of Women in the Arts, Amarillo Art Alliance, Amarillo Museum of Arts and the downtown Visual Arts Center. Betty was instrumental in the selection and purchase of the art for the Texas Tech Medical School and the Harrington Cancer Center.
Betty was recognized nationwide for her philanthropic endeavors. She served on the United Way Board and was awarded the Golden Nail Individual Award in 1986.
She graciously shared her beautiful home with numerous organizations to raise funds for their needs.
Betty was a lifelong member of St. Andrew's Episcopal Church, which was the recipient of her talents and energy in countless ways. Betty and Lee were instrumental in the establishment of the Diocese of Northwest Texas. She served on the vestry for many years and was the first woman Junior Warden. With her guidance on the Arts and Architecture Committee, and as directress of the Altar Guild, the liturgy was delivered with beautiful appointments and quiet reverence.
She was, in every sense, a lady with a quiet and strong beauty who could be grand, but provided a common touch which put everyone at ease. A rose in our garden, how blessed indeed we all are to have known her. How blessed are her children to be of her, a woman of such strength and light, a gentle touch of dignity and kindness to everyone she met. Her legacy of achievements and generosity will benefit the Panhandle and its residents for generations to come.
Survivors include three sons, and eight grandchildren. These include sons, Miles "Teel," father of Andrew Bivins and his wife, Wendy, Katie, Will and Carolyn; Thomas Peyton "Tom" and his wife, Julie, and their children, Peyton and Jenny Bivins and Keats and Nellie Norfleet; and Mark Ernest and his wife, Ellen, and their children, Emily and Miles.
In lieu of flowers, the family suggests memorials be to St. Andrew's Episcopal School, 1515 Georgia St., Amarillo, TX 79102.
Amarillo Globe-News, Jan. 19, 2008
Judith Arden Morris
Judith Arden Morris, 64, of Canyon died Thursday, Jan. 17, 2008.
No services are planned. Arrangements are by Schooler Funeral Home, 4100 S. Georgia St.
Mrs. Morris was born June 2, 1943, in Long Beach, Calif. She married James Morris on Oct. 16, 1985, in Amarillo.
Survivors include her husband; two daughters, Cathy Taylor of Greeley, Colo., and Janene Morris of Arcadia, Calif.; two sons, Michael Short of Amarillo and Jim Morris Jr. of Santa Cruz, Calif.; and a sister, Marilyne Scully of Granger, Ind.
Amarillo Globe-News, Jan. 19, 2008
Ruby Helen Thomas
QUANAH - Ruby Helen Thomas, 77, formerly of Quanah, died Thursday, Jan. 17, 2008, in Houston.
Services will be at 2 p.m. Monday in Smith Funeral Home Chapel with the Rev. Tim Morris officiating. Private burial will be in Quanah Memorial Park.
Mrs. Thomas was born March 9, 1930, in Quanah to Henry Robert and Beulah Hicks Frost. She married Roland Thomas on Nov. 1, 1947, in Quanah.
Survivors include a son, Michael Thomas of Houston; two granddaughters; a great-granddaughter; a sister, Jewel Reese of Amarillo; and a brother, "Bud" Frost of Mount Pleasant.
Amarillo Globe-News, Jan. 19, 2008
Stephen John O'Gorman
SHAMROCK - Stephen John O'Gorman, 71, died Wednesday, Jan. 16, 2008.
Memorial services will be at 2 p.m. today in St. Patrick's Catholic Church in Shamrock. Arrangements are by Aria Cremation Service.
He was born March 11, 1936, in Shamrock to John and Anna O'Gorman. Stephen was a very proud husband, dad and G. Daddy. His kids and grandkids were his hobby.
He was preceded in death by his father and a brother.
Survivors include his loving wife of 45 years, Jaunette; a son, Mike O'Gorman and wife Patty; a daughter, Terri Gibson and husband Rusty; his mother, Anna O'Gorman; a brother, Robert O'Gorman; two sisters, Phil Schelegel and Fran Thompson; and seven grandchildren, Dillon, Amy, Emily, Lacy, Dalton, Abby and John Michael.
In lieu of flowers, the family suggests memorials be to Meals on Wheels, 113 W. Second St., Shamrock, TX 79079.
Amarillo Globe-News, Jan. 19, 2008
Jay C. Childers
BORGER - Jay C. Childers, 88, died Wednesday, Jan. 16, 2008, in Amarillo.
Services will be at 2 p.m. today in Calvary Baptist Church with the Rev. Leonard Forsythe, pastor of Bible Baptist Church, officiating. Burial will be in Westlawn Memorial Park by Minton/Chatwell Funeral Directors.
Jay was born April 2, 1919, in Wade, Okla. After honorably serving in the Army during World War II, he returned to the states and married Lorene Ramey on May 17, 1947, in Sherman. Shortly thereafter, he and Rene moved to Borger, and Jay began his career in the oil field. After spending more than 50 years in the oil business, Jay decided to retire in May 1999.
He will be dearly missed by his family and friends.
He was preceded in death by a sister, Joella; his stepfather, Guy Byrn; and his mother, Jesse Byrn.
Survivors he will be remembered by include his wife of 60 years, Lorene Childers; a daughter, Sharon Platz and husband Richard of Amarillo; a grandson, Jason Sheets of Brownsville; a granddaughter, Jessica Maxwell and husband Heath of Arlington, Va., who are expecting Jay's first great-grandchild in May; a sister, Emogene Green and husband Paul of Laramie, Wyo.; three nieces, Paula Johnson of Salt Lake City, Pam Cullen of North Platte, Neb., and Sharia Gail Nichols of Achille, Okla.; and his faithful pups, Elvis and Peggy Sue.
The family suggests memorials be to BSA Hospice, P.O. Box 950, Amarillo, TX 79105.
Amarillo Globe-News, Jan. 19, 2008
Amadeo Perez Sr.
HAPPY - Amadeo Perez Sr., 83, died Jan. 18, 2008, in Amarillo.
Vigil will be at 4 p.m. Sunday in Happy Memorial Chapel. Services will be at 10 a.m. Monday in The Holy Name of Jesus Catholic Church with Bishop John W. Yanta, pastor, officiating. Burial will be in Happy Catholic Cemetery by Brooks Funeral Directors of Canyon and Happy.
Amadeo Perez was born Feb. 12, 1924, to Rumaldo and Maria Singleterry Perez in Mission. He married Mercedes "Chela" Diaz on May 6, 1949, in Greeley, Colo. In June 1996, he was ordained as a deacon of the Catholic Diocese of Amarillo. He fulfilled his deaconal duties at Holy Name of Jesus Catholic Church in Happy and provided pastoral care at Northwest Texas Hospital. He was a member of the Cursillo Movement of the Catholic Diocese of Amarillo for 47 years.
Survivors include his wife, Mercedes "Chela" Perez; five children, Perla Grubb and husband Cody of Tulia, Romaldo Perez and wife Deborah of Glendale, Ariz., Amadeo Jr. and wife Christie of Frisco and Randy Perez and wife Cindy and Ricky Perez and wife Shannon, all of Amarillo; two brothers, Raymundo Perez of Edinburg and Federico Perez of Grandview, Wash.; three sisters, Bertha Montemayor of McAllen, Elvira Salinas of San Carlos and Christina Sanchez of Coachella, Calif.; 11 grandchildren; and four great-grandchildren.
The family suggests memorials be to The Holy Name of Jesus Catholic Church, P.O. Box 128, Happy, TX 79042.
Viewing will be at Happy Memorial Chapel.
Amarillo Globe-News, Jan. 19, 2008
Bruce Gillispie
DALHART - Bruce Gillispie, 55, died Thursday, Jan. 17, 2008.
Prayer vigil was at 6 p.m. Friday in St. Anthony's Catholic Church. Services will be at 1 p.m. today in the church with the Rev. Scott L. Raef, pastor, officiating. Arrangements are by Horizon Funeral Home.
Mr. Gillispie was born Oct. 17, 1952, in Amarillo to Norman and Ann Richards Gillispie. He worked for Phillips Petroleum for many years and worked for Dalhart TDCJ as a correctional officer.
Survivors include his wife, Jamie Gillispie of Dalhart; a daughter, Janet Randolph of Canyon; a stepdaughter, Mary Spencer Rumley of Dalhart; and a brother, David Gillispie of Amarillo.
The family suggests memorials be to St. Anthony's Catholic School, 411 Texas Blvd., Dalhart, TX 79022.
Sign the online guest book at horizonfuneral.com.
Amarillo Globe-News, Jan. 19, 2008
Doris A. Loveless
QUANAH - Doris A. Loveless, 72, died Thurday, Jan. 17, 2008.
Services will be at 3 p.m. Monday in First Baptist Church with the Rev. Freddie Weaver, the Rev. Eric Brooks and Slade Sexton officiating. Burial will be in Quanah Memorial Park by Smith Funeral Home.
Mr. Loveless was born Oct. 12, 1935, in Quanah to Jesse Estell Clements and James Cube Loveless Sr. He married Ann Butler on Feb. 2, 1957, in Quanah.
Survivors include his wife; a daughter, Kathy Butler of Quanah; three sons, Junior Loveless, Randy Loveless and Chris Loveless, all of Quanah; two brothers, Frank Loveless of Norman, Okla., and Gerald Loveless of Corpus Christi; three sisters, Marga Lyde of Dallas, Chrys Foster of Strasburg, Va., and Fairris Taylor of Sallisaw, Okla.; nine grandchildren; and four great-grandchildren.
The family suggests memorials be to First Assembly of God or the Quanah Ministerial Alliance.
Amarillo Globe-News, Jan. 19, 2008
James E. "Jim" Hawkins
PAMPA - James E. "Jim" Hawkins, 71, died Thursday, Jan. 17, 2008.
Services will be at 2 p.m. today in Memory Gardens Mausoleum with the Rev. Paul Nachtigall, pastor of Highland Baptist Church, officiating. Arrangements are by Carmichael-Whatley Funeral Directors.
Mr. Hawkins graduated from Pampa High School in 1955. He retired from Harbison-Fischer Manufacturing Co. in 1995 and returned to Pampa in 1996.
Survivors include his wife, Jan Hawkins; two daughters, Debbie Alcaraz and Judy Hawkins, both of Pampa; a sister, Robbie Lynch of Alvord; and a grandson.
The family suggests memorials be to building fund, Highland Baptist Church, 1301 N. Banks St., Pampa, TX 79065; or the American Heart Association, 6605 W. Interstate 40, Suite A-6, Amarillo, TX 79106.
Amarillo Globe-News, Jan. 19, 2008
Jackie Bell Hill Caputo
FREDERICKSBURG - Jackie Bell Hill Caputo, 92, died Wednesday, Jan. 16, 2008.
Memorial services and burial will be in Memorial Park Cemetery in Amarillo at a later date by Schaetter Funeral Home of Fredericksburg.
Jackie was born April 30, 1915, in Hedley to Martin and Elvie Henderson Bell. She married Leon W. Hill in 1942, and he preceded her in death in 1979. Jackie then married Edmond Caputo in 1986, and he preceded her in death in 2007.
Survivors include two daughters, a son and spouses, Linda Hill of Edinburg and Gary and Cheryl Hill and Jackie and Tully Currie, all of Fredericksburg; four grandchildren and spouses, Bryan and Brian Lynch of Fort Worth, Michael and Kristen Sands of Dallas and Luke Currie and Jacqueline Montana Currie, both of Fredericksburg; a great-grandchild, Benton Lynch of Fort Worth; three sisters, Ruth Kopp and Nell Hodges, both of Amarillo, and Betty Davis of Lubbock; a brother, Dick Bell of Amarillo; and numerous nieces and nephews.
The family suggests memorials be to a favorite charity.
Send online condolences at www.schaetter.com.
Amarillo Globe-News, Jan. 19, 2008
Charles Green
IDABEL, Okla. - Charles Green, 79, died Thursday, Jan. 17, 2008, in Texarkana, Texas.
Services will be at 2 p.m. Sunday in Moon Church of God. Burial will be in Bokhoma Cemetery with Frank Plemmons officiating. Arrangements are by Conley-White Funeral Home.
Mr. Green was born June 8, 1928, in Moon to John and Fannie Mae Reid Green. He was a teacher and taught at Sunray, Texas, for 28 of his 35 years of teaching.
Survivors include his wife, Clara D. Green; three children, Henry E. Green of Greenville, Texas, Felicia G. Williams of Garland, Texas, and Rayburn W. Green of Fayetteville, Ark.; and a grandchild.
The family suggests memorials be to Bokhoma Cemetery, HC 73, Box 306, Haworth, OK 74740-9511.
Amarillo Globe-News, Jan. 19, 2008
New Mexico
Peggy L. O'Neal
CLOVIS, N.M. - Peggy L. O'Neal, 89, died Wednesday, Jan. 16, 2008.
Graveside services will be at 2 p.m. today in Mission Garden of Memories by Muffley Funeral Home.
Mrs. O'Neal was born March 3, 1918, to Harry and Greta Cora Fenter O'Neal in Jacksboro, Texas. She worked at Cannon Federal Credit Union as a loan officer until her retirement in 1983.
Survivors include a brother, Glen O'Neal of Clovis.
The family suggests memorials be to the American Heart Association, 1330 San Pedro Drive N.E., Albuquerque, NM 88110.
Amarillo Globe-News, Jan. 19, 2008
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