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Success is so different for so many people. As I mentioned I have no idea when you start withdrawing, typically it starts off at age 73 currently at about 3 to 4%. At least that is what my investment guru is telling me. Since that is a few years off, we are still invested in the market with about 2/3 of our “nest egg” and the rest is currently a CD ladder earning north of 5% as it rolls thru 3,6,9 and 1 year amounts until it rolls over to whatever when they mature. Keeping it so, I have money without penalty for anything we need or want at the longest wait of 3 months. I don’t hang out in this one of the silliest threads to live this long in the history of CC, but way back when this started, I mentioned the random walk theory. I still believe it is a very good explanation of why “experts” don’t really exist when it comes to picking winning and losing individual stocks. Of course, if you are a politician say living in San Francisco, and you know beyond a doubt that the government is going to say spend a trillion dollars on something that is in the next omnibus bill to keep the government running it is likely that you truly are an expert and can have your husband invest in things that the government is going to spend said trillions on. Unfortunately, for the vast amount of citizens this is not an option. JC<——— is just an ordinary citizen with an ordinary wife (well she is actually extraordinary, just not in the way described about a hypothetical person in SF)😂

I just did a math guess of 3% required withdrawal, and rounded it up to the next million. We don’t know when the poster started withdrawing so 3%, 4%, 5% all are options. Maybe even 2%. I am not an expert on this, but yeah, you are probably correct. I, personally, can’t think why I would feel the need to share this information, but hey, it is all good. 🤣. Nothing scary out here on the internet. jc

Weren’t you worried about Haiti at a very high level? I am thinking your logic is a bit off. Port Au Prince is super scary. Labadee, not. Ocho Rios, Jamaica, pretty scary… anywhere outside of fenced in cruise line areas pretty scary. Falmouth, Jamaica not so much. I am sure that the thugs in Port Au Prince will be in control of the Haitian Navy and will conquer Jamaica this weekend. So much for March Madness.😂

Congrats on your 2 million in 401K…. Buying a million worth of RCL is a bad investment, buying 100 shares and cruising a lot… is a no-brainer. 95% of the people ( I am guessing but bet I am right) own more than 100 and less than 200 shares. If you cruise 4 to 5 times a year you could make gains of more than about any regular investment I know of. That said, buying a stock like RCL is not a real investment it is a fun activity that you enjoy. The Shareholder benefit while it is combinable is wonderful luxury. JC<——— spent a lot of time in gradual school in economics (no misspelling).

Not sure getting comatose drunk is getting even, but I do guess it is a start!🤣

I don’t believe a single person expects them to change pricing after final payment. Obviously if you have a cruise booked months and months away prices are always dynamic and they could drop, but only if lots of people cancel or new bookings slow down. I didn’t realize that was why you called RCCL. Waste of time that. 🤪 I was just commenting on calling RCCL in general is not a good way to learn anything at all. 😂 jc

RCCL is a large corporation with a large call center. Many of those employees know less about Royal than my dog.

I would not hesitate to take a ships tour in Falmouth. Far safer and nicer than Nassau. IMHO jc

I think 2 days at Falmouth is a better option than Nassau. Watching the news is usually as in depth as watching the results of a football game on the 10 o clock news. IE not other than the score.

When it was initially offered and it was close to the internet price it was a no-brainer if you used the FlowRider, as we got an extra 5 hours with fewer people in line, right after that it went to 1 hour… suddenly not such a deal. If you are buying two internet packages it is still probably an ok buy. Since I retired 12/31/2023, I don’t need it for work, so we manage with 1 internet account so the Key is probably done for us. Jc

Have never seen it as a stop for Royal, but I don’t look at every single sailing, but pretty sure it has not been an option. It would be a nice option.

Wow that is a big dive boat! Not sure that is a good thing. When we dove on the GBR I think there were 8 of us max. 🤣 On the upside, getting in and out of the water looks awfully easy. Kind of perfect for a snorkel tour. Wish I was there.

I don’t remember anyone saying that this wouldn’t happen. I remember saying that there is no significant danger at Labadee. I said, that Royal is a public company, and they have to respond to pressure from the crazy people in the media and on social media. Hardly surprising. Just kind of stupid and sad. jc

Would think Spring Break will be long in the review mirror by then. I sailed Freedom in 2013, so I am not current, but it is a good ship with plenty to do for a short cruise, if you can get to the port cheaply, I say go for it. JC

Has anyone heard from Tree Skier. I read on the internet that the prisoners of Haiti had taken over the government in LA, and decided to let anyone who had violated laws that they didn’t like out of prison there. I am very worried about his safety is a demonstrably dangerous place.😉

That implies that it is inherently dangerous to be at Labadee and that we know this danger is going to become a reality. That is pure fiction. Sensationalism and just plain wrong. If you don’t want to go, don’t go. While we have a few freedoms left, try to not be a Debbie Downer and let people live their own lives. We all can see what is happening in Port Au Prince. What is less bad than it has been many times over the last decades. History has shown there is close to zero danger at Labadee. But hey, let’s drive a panic because it is just plain fun, and we don’t care about the people in Haiti nor the passengers wanting to have a nice vacation. So many Dudley DooRights in the world who don’t actually know who is Snidely whiplash is. jc

Fascinating how this topic is 10% of all posts you have done in 14 years. Humans are so interesting.🤣 not to mention now twice done with this. nobody has said they are not in any danger they could get a bad sunburn they could get over served and get sick they could have a heart attack thinking they are going to fall out of the contraption on the long zip line. RCI is a public company they hate bad press so they do a little window dressing and eliminate people wandering off into a possible no matter how remote danger. Lawyers what can you do with them. I hate that they feel compelled by people who love to watch a panic. I miss the days before the press and social media white knights made the world too dangerous to enjoy . Very sad

All which scare me and I have spent time in all 3 in the last year jc

Yea don’t use reason. Panic because I want you to cancel your cruise. Because I hate Royal. Or maybe I just don’t want you to enjoy your vacation because I am in my mother’s basement. which of those are your agendas? What difference is it to you if people make their own decisions? just curious why you feel so strongly to save people who are not in danger?

Bless you for what you do. I was laughing at the posters description of you, having actually met you. People are so blind about what they have allowed our cities to become. We have about reached the point, that we don’t intentionally travel to the big famous cities. Whether it be NY or Paris. Not to say, I won’t visit more of these places, just they get a low priority when it comes to plans.

Chuck, you have come over to the light. I am so happy for you!😉

Honestly, I would estimate the risks you are taking an about 1000% more than those going on the beach today at Labadee. Pretty sure that tonight will not have a zero murder rate in LA. I am willing to bet that the murder rate at Labadee will be zero this entire year.

As my head tipped lower than my feet, and the pressure changed from my waist to my shoulders and the speed headed towards triple digits, I was seriously reconsidering my previous decisions. I felt perfectly safe when standing up in the contraption, much less so a few minutes later.🤣

I am guessing that the Air Force could be on the scene within 20 minutes of this hypothetical attack. The Navy and Coast Guard have a regular significant presence in the Caribbean. I am not saying that there is zero risk of this hypothetical attack, but it is so low that I am far more worried about getting hit by a bus crossing the street. How long has Haiti been a mess? All of my life and I am 65. How many times have they attacked anything at Labadee during that time? We all make our own decisions based on our risk tolerance. Enjoy your bomb proof shelter. jc

I like how many people love the OPs post. Things that make you go, hmmm….🤣