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Full overlay cabinet hinges8/5/2023 The Inset hinge creates a blended look by making your door blend in the wall it’s placed in, resting on the same plane of the cabinet frame as well as the door space of the cabinet. It’s essential to know these three types of hinges as they provide efficient use of your entries. Now, what is a full overlay hinge? Before we get to the description, remember that there are three types of hinges that you can choose from when you’re assembling your cabinet and doors. In this article, we’ll be talking about the different types of hinges and their differences from each other so that you know what to buy for your cabinets and doors. Fortunately, your door and cabinet type will immensely help you choose amongst the different varieties of hinges. Hinges vary from style to functionality which may widen your options when choosing the right one. When choosing the right hinge for your doors and cabinets, the options are limitless. Full extension Soft Close Undermount Drawer Slides With Double Wall.Full extension Soft Close Undermount Drawer Slides With Pin.Full extension Soft Close Undermount Drawer Slides With adjustable Clip.45mm Soft Close 3 Section Ball Bearing Drawer Slides.45mm 3 Section Ball Bearing Drawer Slides.105g Clip-on Soft Close 4 hole Butterfly Plate Concealed Hinge.118g Clip-on Soft Close 4 Holes Butterfly Plate 3D Hinge.74g Soft Close 4 Holes Butterfly Plate Concealed Hinge.74g Soft Close 2 Holes Short Arm Concealed Hinge.50g Two-way 2 Holes Short Arm Concealed Hinge.
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Ladies night book8/5/2023 Will either one of them be able to avoid the taboo of mixing business with pleasure? Ladies Night is an intense, thrilling, scandalous, and, at times, funny look at the transition of Amp Anthony from ex-con to exotic dancer, as he struggles to put the pieces of his life back together and escape the past that put him in prison in the first place. Looking for a great night away to catchup with the girls Here at the 4 star Boutique Temple Bar. Everything is strictly business until the club's attractive female DJ catches Amp's attention. Under the supervision of savvy club owner Madam Fox, Amp becomes one of the hottest male exotic dancers at Club Eden. This year we will not be doing a draw every week, we ask that you call and book a tee-time. Be the first to ask a question about Ladies' Night Lists with This Book This book is not yet featured on Listopia. We want to welcome everyone back for another season. Edit Details Reader Q&A To ask other readers questions about Ladies' Night, please sign up. Ladies Night is an intense, thrilling, scandalous, and, at times, funny look at the transition of Amp Anthony from ex-con to exotic dancer, as he struggles to put the pieces of his life back together and escape the past that put him in prison in the first place. Amp Anthony is strong-willed, ruggedly handsome, with a body that wome. If they're willing to pay more, they can even touch. Paperback, 238 pages Published January 28th 1993 by Seal Press (first published October 1988) More Details. Read 66 reviews from the worlds largest community for readers. When all else fails, he uses his body, letting women look for a price. Ladies' Night Ladies' Night Author: Mary Kay Andrews About This Book LOVE CAN BE LOST Grace Stanton’s life as a rising star in the world of lifestyle bloggers takes a surprising turn when she catches her husband cheatingand drives his pricey. Like most felons, Amp has a hell of a time finding and keeping a job because of his record. Ladies Nights - Put on your dancing shoes and let your hair down with Ladies Nights at Lounge And Bar. It's not easy to make things whole again under the rules of the halfway house to which he's been released, especially since his parole officer would like nothing more than to send him back to prison.Īmp is bound and determined to make sure that will never happen. Amp Anthony is strong-willed, ruggedly handsome, and has a body that women will pay just to look at.
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Inmost plot8/5/2023 He offers Luke his father’s old light-saber and promises to train him in the mysterious ways of the Force. The hero meets a seasoned traveler of the world and receives training and equipment from him or her. Our hero meets a more knowledgeable teacher or guide. The council immediately begin fighting with each other over what to do next. In Lord of the Rings, Frodo travels to Rivendell, meets Elrond, and learns the ring must be destroyed. Then, he says he will bring Luke to Alderaan and train him in the ways of the Force. In Star Wars, Obi-Wan Kenobi tells Luke about the age-long struggle between the evil Empire and the Rebels. An archetypal hero becomes reluctant and afraid to embrace this call to adventure. The hero catches a glimpse of a new unknown world. In Toy Story, this is the moment Woody leaves Andy’s bedroom’s safety, albeit accidentally. In Lord of the Rings, Gandalf visits Frodo Baggins and sends him on a mysterious adventure: to carry a magic ring to Rivendell. So, he seeks out an old hermit Obi-Wan Kenobi to help him understand what this message means. In Star Wars, Luke cleans an old droid called R2D2 and accidentally plays a help message from Princess Leia. He may encounter and disbelieve fabulous forces. The Call To AdventureĪ dramatic incident calls the hero on a dangerous path and leaves the known world behind. Similarly, in Lord of the Rings, we meet Frodo and his friends living a care-free life in the Shire. He is an ordinary man with ordinary problems. In Star Wars, we meet Luke living a bored and isolated life on Tatooine’s backwater desert planet. Here, the reader or viewer meets an uneasy, ordinary person going about their daily lives and sympathizes with the unlikely hero. Let’s dive into this storytelling technique using examples from Star Wars and other popular films. Star Wars is one of the most popular stories of the modern era, but did you know George Lucas guided his story for the first film around using the twelves stages of the Hero’sJourney? It’s usually a cycle, a coming and a returning.”Įssentially, the hero (it could be you or your protagonist) of any story goes on a journey and comes back a changed person. “The person then takes off on a series of adventures beyond the ordinary, either to recover what has been lost or to discover some life-giving elixir. “The usual hero adventure begins with someone from whom something has been taken, or who feels there is something lacking in the normal experience available or permitted to the members of society.” In the 1949 book The Hero With a Thousand Faces, scholar Joseph writes about the Hero’s Journey: Although it’s in vogue today, it’s a rather old form of story structure. The Hero’s Journey is a popular storytelling framework used in films like Star Wars, The Matrix, Toy Story, and the recent Marvel superhero films. What The Hero’s Journey Means For Writers.Best Grammarly Alternatives Menu Toggle.
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Trump twitter8/5/2023 while also interrogating for the first time Trumps use of Twitter as a. Like most other politicians, Trump is strategically-minded about his presence on social media. US Presidential campaign saw the meteoric rise to power of Donald J. Not only has his pattern of tweets changed over time, we find that Trump’s use of Twitter is more deliberate than he has been given credit. Overall, our analysis presents a strikingly complex picture of Trump and how he uses Twitter. Documentary filmmaker Alex Holder revealed this week that former President Donald Trump went through a severe 'withdrawal' after losing access to his Twitter account after he incited a deadly riot. The company said it made the decision after the Jan. The Justice Department on Tuesday pointed out a key discrepancy in former President Donald Trump's legal arguments in the wake of the FBI's Mar-a-Lago search none of his court filings back up his. We argue that to fully understand Trump, we must take a more comprehensive approach to examining all of his activities on Twitter. Twitter permanently suspended Trump from the platform in January 2021 following the attack by his supporters on the U.S. In a lengthy statement announcing the new. While the popular media has devoted considerable attention to selected tweets, it is less clear what those selected tweets tell us about Trump the businessman, the political candidate, and, finally, the President of the United States. Trump announced on Wednesday that the newly formed Trump Media & Technology Group would be launching a new social network, catchily called Truth Social. This book takes a social science approach to address two related questions: (1) what does Donald Trump say on Twitter? and (2) why? Since entering the 2016 Presidential Election, Donald Trump’s tweets have been a major part of his communications strategy with the public. Shannon Bow O’Brien, Lecturer, University of Texas, USA Customs and Border Protection (CBP) after the agency said it would deactivate a West Texas CBP Twitter account that. They put forth the concept of ‘going directly public’ (GDP) which looks at how a president engages the public and uses media power to shift the political system.” Stephen Miller, a former senior adviser to Donald Trump, has criticized the U.S. More importantly, their well-written effort challenges many of our assumptions about modern presidential rhetoric studies. It allows users to search through more than 56,000 tweets posted to the. Former President Donald Trump speaks at a rally in Wilkes-Barre, Pa., Saturday, Sept. “Ouyang and Waterman have crafted a fascinating book that examines the Twitter-verse of Donald Trump. The Trump Twitter Archive is an effort created by a sole developer who says he wanted to provide a public resource. DOJ points out that Trump's legal filings don't align with his public statements about the Mar-a-Lago records.
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Kompozer for linux mint8/5/2023 Do you just download and install one? I think I did that with a guestbook at one point but forget. Do they cost or, how many are free? (I may need to send a message to my host for all of this) 2. Unless someone has a firm solution, I'm going to stray from the downloadable apps to go and find and turn this to(same topic really) Cpanel apps.Ĭpanel seems to have a LOT of apps a person can install. BlueGriffon is listed in Euros or something and it's $80 something US before taxes. One is free as long as it's not for commercial use(including ads, which I use). I get lost in classrooms and reading books and pages. I can also learn well with hands on, one on one teaching. That doesn't work for something so complex. I learn as I go, pick up what I need AS I need it kind of thing. but, I'm kind of glad I don't have a good program from them dangling in front of me. It's kind of surprising they don't have some big web dev app actually. Google's web thing is for advertisements, not pages. Some(many) are outdated, no longer supported. I'm still wading through more information than I really care to. It kind of surprises me, however, that I'm not finding more solutions to this out there. I'll keep thinking about it and searching for options. because if I can skip buying windows, I can put more money into the build.īut I am starting to think I should just stick with the familiar and go with windows. I want to know what I can do BEFORE building a new pc. I don't entirely love that plan because if it doesn't work and I feel stuck, then I have to go and order windows and start everything over again. Their idea, after some discussion, was to go ahead, build my new pc, install linux, and just see what works. Someone suggested trying to run mobirise using wine on linux but, eh. And on one page, I just downloaded a free css template and tweaked it a little to suit my needs. In the past, I used frontpage or something but it never looked great. I'm starting to think there aren't any real good solutions. I've used notepad++ to tweak a few minor things before but I don't actually know how to write anything. I'm not sure if I stressed it enough but I don't know how to code, at all. I'd prefer to have a clue before I have the machine built as to what was going to work rather than go through all that, find it doesn't work, and then decide I "need" to buy windows 10.Īny suggestions ideas for web design on a linux machine? Some have suggested just building the computer, installing linux, installing wine and trying to run mobirise. I've been searching, and have asked some of the linux people at bleepingcomputer, and I don't have any real solutions yet. except the web-design stuff.ĭoes anyone have any experience with such editors on linux? I typically go with free software(like, exclusively) and I sure can't go subscribing to anything or making a BIG purchase but, I'd be willing to pay a few bucks of a one time fee if a program could do what I need. So far, all the things I typically do on the computer, that I can recall so far, I've found I can still do if I switch to linux. or, sometime soon, I will be building a new desktop and I'm toying with the idea of NOT buying windows for the machine. But, I prefer being able to see what I'm doing as I'm doing it without knowing how to code.Īnd now. I've also, in the past, simply downloaded css templates and made little tweaks here and there. It, of course, has some limitations but, it's better than anything I could do on my own as I'm not a coder of any sort. And they work with blocks that you drag and drop and then edit how you like them. Some time this year I found a program called mobirise that can be used to design pages that are mobile friendly. Years back I used something like frontpage or something to design it. I have my own site that, I still(as usual) have to work on.
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Scontent fman8/5/2023 Garry Taylor Handlen’s appeal in the brutal 1978 murder of 12-year-old Monica Jack has been dismissed. The Union of BC Indian Chiefs posted a brief statement on social media saying the organization stands with the family and all families impacted by the ongoing "genocide" of missing and murdered Indigenous women and girls. Her disappearance and death brought only misery to those who knew her best and loved her most." 'SEEMINGLY ENDLESS DISAPPEARANCES' "You ripped away the life of a young girl. "This particular crime is among the worst of its kind, and you are among the worst of offenders," he said. When handing down a life sentence in 2019, Justice Austin Cullen addressed Handlen directly. Ultimately, the appeal court found there was no legal error made. The court's decision to dismiss the appeal spans 112 pages, detailing the legal arguments Handlen's defence made about why four witness statements and the confession should not have been allowed into evidence by the trial judge. The appeal court noted that Handlen's argument on appeal about the confession was the same one that he made during his pre-trial motion to have it tosed, namely that he "he made it all up" based on media reports and details the police revealed when they questioned him. While Handlen was charged in that murder alongside Jack's, the confession was not admitted into evidence and the prosecution did not proceed. Hebert went missing in 1975 near Abbotsford. Handlen also confessed to killing 11-year-old Kathryn Hebert during the course of this Mr. "He was positive he strangled her, burned her clothing, and threw her body behind a log." He said he “left her someplace,'" a summary of the confession reads. I am not sure.' He said he knew that Monica was “Native” and agreed that she could have been 11 or 12 years old. Having sex and then I just lost it for some reason. "Among other things, he said that he remembered 'picking up a broad. Handlen's confession came in November of 2014 after undercover officers told him DNA evidence had been found to link him to Jack's killing. "Once so entrenched, the undercover police officers elicit a confession to the crime they are investigating." "For many years, Canadian police forces have conducted undercover operations designed to gain the trust of suspects and entice them into a fictitious criminal organization," the appeal court decision explained. Big" stings are designed to produce confessions. The investigation into Handlen was revived in November of 2013 when an undercover operation was launched. "The investigation did not progress for many years." THE CONFESSION It would be another 17 years before Jack's remains were found by forestry crews doing a controlled burn "in a remote area off a logging road," the appeal court decision says. Handlen in the 1980s and 1990s, investigation into Monica’s murder appears to have largely gone cold," the appeal court wrote. "Despite some contact between the police and Mr. A conviction for rape in 1975, his ownership of a truck and trailer, and his questioning in the murder of another young girl were all factors that made him a suspect. The court heard that witnesses who lived nearby provided statements where they described seeing a truck and trailer in the area and hearing someone "cry out."Īt trial, the jury heard that Handlen has was first identified and interviewed one month after Jack was reported missing. That day, Jack's brother found her bicycle on an embankment on Highway 5. Jack was reported missing by her mother on May 7, 1978, and news of the girl's disappearance was broadcast by the local radio station. Handlen argued that some of the evidence presented during his trial, including his confession, should have been ruled inadmissible. Court of Appeal dismissed his attempt to have his conviction overturned on Friday and details of the decision were posted online. Garry Taylor Handlen was found guilty of first-degree murder in 2019 – more than 40 years after Jack, who was a member of the Lower Nicola Indian Band, was last seen riding her bike toward her home on the Quilchena reserve near Merritt. man convicted of the 1978 murder of Monica Jack, a 12-year-old Indigenous girl, has lost his appeal. Warning: This story contains disturbing details.Ī B.C.
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War thunder xbox one8/5/2023 When the game is free and you're hoping to make the people who download the game on a lark into people who pay for it, first impressions will be terribly important. I would really love to see this game be a smash hit on Xbox, but some serious thought needs to go into the default controls. After I realised that I couldn't climb because pitch up (inverted) and throttle down were bound to R-stick Down despite the control menu saying they were mapped to opposite sticks. I realised this when I had to bind pitch, roll, yaw, and throttle to the same stick with the switch stick box checked to get them to actually perform the functions you'd expect them to. It just moves all the controls that default to the left stick to the right. Except it doesn't really switch sticks at all. I see that someone has seen that this could conceivably be a problem for someone and so we've been given the option to switch sticks. Why does it make sense to put the most important and most used movement controls on the left stick by default? 90% of the people on the planet are right handed. I understand that folks that play these types of games are used to configuring their own custom controller setups but the sticks are almost entirely reversed from what you'd expect after playing any and all games on Xbox (and most games on PC). I understand that this is early access but the control scheme is unintuitive as hell. I stopped playing for a bit and my PC crapped out on me so I decided to cough up the $20 and play some early access on Xbox One. I've played the game on PC for years and enjoyed it immensely. First of all, I'd like to say I love this game.
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Grim dawn wendigo spirit8/5/2023 That in turn puts a damper on your damage output and defense, making much of the early game a stop-go affair of blazing through most trash mobs only to suddenly get nearly 1HKO’d by a particular monster type or Hero pack (meanwhile main bosses are just massive damage sponges). To have any chance of hitting anything, you’ll have to rush your class’ base Attack-boosting or Defense-reducing skills (for me that was Overload and Inner Sight). Particularly considering you don’t have access to equipment augments here. Those are insane numbers for normal difficulty. You basically need 1k in chapter II, 1500 in chapter IV and over 2k by the end of VI. Attack/Defense ratings also seem to be out of wack. Once you get the Horadric Cube and can make your first level 20ish runeword weapon, basically every non-set drop becomes worthless I used the Serenity Spear (a level 22 craftable item) straight through Baal, Diablo, and hoards of level 50+ monsters no problem. My biggest complaint, aside from the map size issue, ultimately ends up being a notable lack of balance. Elemental Balance, Sphere of Protection, Conversion, Arcane Will, Star Pact, Critical Strike, Retreat, Elemental Strike, and the Dodge line all at 1 point (pre-item bonuses). Main skills being Lightning Strike, Elemental Exchange, Overload, Mental Alacrity, and Inner Focus, with Inner Sight and Valkyrie at half-max (including item bonuses). Ended up at level 55 with 33 Devotion points Wraith, Candle, Quill, Chariot, Widow, and Vulture. There’s a damn good reason Maphack was a required utility when playing back in the day and it wouldn’t have hurt anything to scale down the map size by about a quarter.Īnnoyances aside I ended up hacking & slashing my way through Normal difficulty (unlike base Grim Dawn the Veteran option here is an actual hard mode option which should be avoided by new players) with a 50/50 Amazon-Arcanist combo. Namely the issues of massively oversized maps full of trash mobs (particularly damning in Acts IV-VI) and Hero monsters being inexplicably surrounded by 6+ ‘Minions’ with 5-10 times the health of other enemies. While there is indeed no need to deal with equipment repair, lack of consumable stacking, slow health/mana regen, nor lack of stash space or respec options while playing this Mod, some of D2‘s less pleasant aspects are still faithfully imported. Flash-forward to this week where I discovered the Reign of Terror Mod, which aims to re-create the first two Diablo games.Ī goal it succeeds at remarkably well. So I did… only to find that compared to Grim Dawn there was just too much missing in the quality of life department. Some time back, either earlier this year or last year, I had the urge to replay Diablo II. I think the most annoying part would be having to wait for level 50 (the point legendaries start dropping) to pick up the 2nd class, but then again it might give me a reason to use abilities and ability combos I normally wouldn’t. Essentially start a new Hardcore character, then pick the first class based on whatever abilities the first epic drop has and second class based on the abilities of the first legendary.Ĭould be interesting… or could be aggravating. So I thought I might try out a sort of roguelike approach to the game. Not sure now whether I want to drag my remaining six post-Normal builds through Elite, try out the RoT’s Barbarian class (one thing I loved about D2‘s Barbarian was that it could dual-wield 2H weapons), or try something ‘new’.īasically, I’ve reached the point where I can’t really theorycraft new builds without stepping on the toes of my existing ones. And ultimately I still like base GD a whole lot more: The enemy variety, class/build variety, (semi-) reactive quests, destructive environments, and the extreme amount of work that went into balancing all the various items and abilities against one another. Just to properly compare, I also ran my Deceiver and Druid builds through Elite (after slightly revising them, different gun/boots for the former and components/devotions for the latter) to avoid looking at unmodded GD through nostalgia glasses. Like, the unbalanced builds and items are the entire point of the game. But then a funny thing happened after unlocking Claws of Thunder… all my memories of blazing through D2 insta-gibbing hoards of enemies with janky abilities came rushing back the moment it triggered. My opinion regarding the lack of balance didn’t change in the early game if anything it hardened due to how much more powerful Dragon Talon was compared to the other starting attack abilities. An Assassin/Nightblade this time, as Assassin was one of my favorite D2 classes. So despite my earlier comments I decided to take another character through the Reign of Terror Mod.
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The loops are perfect for kick starting your inspiration with that recognizable Bristol swing and shuffle. This collection contains 390 samples, including 148 loops and 242 one-shot samples. These drum and bass drum samples will help you to inject that trademark sound into your next track. His explosion into the mainstream in 1997 lead to DJ Krust signing to a major record label, and the Bristol Drum & Bass sound spread its wings further. This pack is a collection of sounds taken from the studio of DJ Krust, providing access to some of the most iconic Drum & Bass sounds available.ĭJ Krust is praised in the DnB underground for his envelope-pushing productions. If you’re searching for that retro DnB sound, look no further than DJ Krust’s Bristol Drum & Bass. This is the complete package for anybody chasing a professional Drum & Bass sound. As well as having a vast collection of loops to play with, each composite part is available for further manipulation and control over your tracks. With Fracture’s crafted bass loops, you as a producer have complete control over how the bassline sits in the track. This is a standard technique for that MASSIVE bass sound. Fracture has used the same production methods he uses in his work to create these drum n bass samples.įor example, the bass has been split into sub and mid-range. The collection is worth the investment for the craft alone. Quintessential ingredients for achieving the Fractal/Neptune sound. All the vibe of yesteryear, with all the quality of today. This dnb sample pack from Fracture is the perfect fusion of classic Drum & Bass grit, with contemporary crystal-clear high-end. From twisted, to dark and menacing, to glitched, to experimental, to dreamy, to half-time, there’s a sample in this collection to help transform your latest track. Cosmic Drum & Bass is a collection of 425 samples perfect for anybody producing DnB, Dubstep, Breakbeat and Alternate Electronic styles. Let us go on an adventure into the underworld of Drum & Bass with one of the true greats of the genre, Fracture. Fracture – Cosmic Drum And Bass Sample Pack Scroll down for more details or click for audio demos.ġ. Quick Rundownīelow is a short list of the drum and bass samples we talk about in this article. To put it frankly, everything you could need to start, reignite and/or upgrade your productions. This following article explores the best drum and bass samples available on the market now.Įxpect contrasts of light and dark, ferocious drum loops, speaker shattering bass hits and atmospheric synth pads. With acts such as Pendulum and Chase & Status still leading the line in contemporary Drum & Bass, as well as the influence the genre has had on Grime and Dubstep, there couldn’t be a better time to be re-evaluating your samples than right now. More tracks like - Soundset - Vengeance Dubstep vol.Emerging from the Jungle and Rave scene in 1990s England, Drum & Bass combines fast breakbeats, samples, synthesizers and a heavy, heavy bass line to provide you with a sound that’s been harassing your ears for the past 25+ years.Playlists containing - Soundset - Vengeance Dubstep vol.1 (NI Massive).Users who reposted - Soundset - Vengeance Dubstep vol.1 (NI Massive).Users who like - Soundset - Vengeance Dubstep vol.1 (NI Massive).God, this is sick! Comment by KnocksquaredĬOT DAMN !!!!!!!! Consider this Bought !! Vengeance is the shit !!!! Haha cool nintendo ftw Comment by Jarek LWD11 Lewandowski I didn't like much from those sounds but this lead synth is awesome Comment by v-Teck aka ErroNT Dub Requirements: Native Instruments Massive 1.1.5 Plugin carefully sorted into categories (Basses, FX, Sequences, Synths etc.) no brass/piano/flute patches - only up-to-date and trendy sounds to rock the clubs state-of-the-art Dubstep sounds, crazy effects and much "Wobble Wobble Wobble". all presets come with 8 fully assigned modifiers (on the bottom right) to tweak the sound to death 64 high quality Dubstep / Dirty Electro / Progressive House sounds by Manuel Schleis These awesome "Wobble" sounds you ever wanted, crunchy basses, "massively" distorted and crazy pitched sequences directly from hell. 64 Killer-Dubstep Sounds made by Manuel Schleis.
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Simple math early retirement8/4/2023 If you make $50,000 per year and save $25,000 per year you are on a 17- year track for retirement. If you make $100,000 per year and you are spending $90,000 per year you are still on a 51-year track for retirement. We all can control how much of our money we spend. Money Mustache’s shockingly simple math focus completely on saving not income. While it is true, the more money you make the easier you will be able to reach FI, but Mr. The thing I hear most from people when I talk about FI is “that’s nice for you, but I don’t make enough money to ever do that”. To better understand how inflation impacts savers, read this post.Īssumption 2: You can live off the 4% safe withdrawal rate during retirement.įor more information on the “4% safe withdrawal rate”, read this post.Īssumption 3: Since you want this money to sustain yourself forever, you will only be withdrawing the “gains” not the “principle”. Money Mustache makes in his math.Īssumption 1: Your investments earn 5% above inflation. Let’s quickly review a few of the assumptions that Mr. Money Mustache’s math tells us we can retire in 17 years. The savings rate that many in the “FIRE community” strive for is 50%. Therefore, it should not be surprising to learn that more and more Americans are working into their 70’s. As a personal finance nerd, the one that jumped out to me was the fact that at a savings rate of 10% (which is the recommended amount by many financial gurus) you would need to work for 51 years before reaching FI. The following table reinforces the fact that our savings rate is the most critical factor in reaching financial independence.Įach of us will look at the above chart and find a different number that makes our jaw drop to the ground. Money Mustache has simplified things even more for all of us by doing the math to show us when we will reach FIRE given different savings rates. Sometimes in life, the simplest things are incredibly difficult. I never promised an easy solution, but it is simple. You simply need to save around 65% of your take-home pay over the next 10 years. How much you can live on: How much money would you need (not want) to cover all your living expenses at your desired lifestyle. Savings rate: What percentage of your take-home pay are you saving/investing? Think of this as the actual money that gets deposited into your bank account on payday. Take home pay: How much of your income you keep after all taxes and deductions. For many, this is the point where they decide to retire (if they don’t have to work, they won’t) hence the term Financial Independence & Retire Early (FIRE). Put simply, reaching FI means you don’t need to rely on your job to cover your living expenses. You have reached Financial Independence and have the ability, if you choose, to Retire Early once you have reached a point where your savings and investments can cover your living expenses for the rest of your life. Both Financial Independence (FI) and Retire Early (RE) amount to the same thing as it relates to your savings and investments. Let’s quickly define a few terms here so we are all on the same page.įinancial Independence/Early Retirement (FIRE): In the personal finance community these terms are often used interchangeably. Money Mustache knows that the math behind early retirement is shockingly simple The more of your take-home pay that you save, the earlier you will reach financial independence and be able to retire. |