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I have been in a pension system for nearly 22 years, and also have access to both a 403b and 457. I contribute to both.

canada goose outlet niagara falls The pension I have is heavily age based, which means working from age 45 to 65 is much better than working from age 25 to 45, and then waiting until you are 65 to collect. 1 at age 50, then 0.1 for every year after until a max of 2.5 at age 65. canada goose outlet niagara falls

It does tie you to a official canada goose outlet job, and you are less likely to change jobs because of it. This might limit your ability to increase your income over your career.

canada goose outlet in chicago Our system also has an optional retirement plan (ORP) that one can choose, just like your 401k option. I have several colleagues who chose the 401k option over the pension when they were first hired. About 2 3 years ago, the state offered a one time buy back to switch back to the pension system. All they took the offer, and now have pensions. They didn like the variability of the ORP, and would rather have the guarantee of a pension. They considered things like survivor canada goose outlet canada benefits of a pension is much more restricted compared to the ORP, but they still switched. canada goose outlet in chicago

The buyback assumed that your ORP made 8 over the time you had it, and if it didn you had to make up the difference out of pocket before you could switch to the pension. I think all my colleagues had to put in additional money.

Pensions usually have a vesting period. Yours appears to be only 5 years, which isn bad. Make sure you work until you are vested if you do chose a pension. Vesting might allow you to get additional benefits like medical. If you are not canada goose outlet online uk vested, and you leave, they will give you back what you put in, and a laughably small interest.

canada goose outlet online uk Also, pensions might canada goose outlet uk sale not do a COLA on the entire pension. I think ours is only on the first $13,000. canada goose outlet online uk

With that being said, I would probably not do a pension if you plan on FI/RE. I think the age factor, at least in my case, is a canada goose outlet toronto factory big deterrent to retiring early. I do use my pension as the basis for my FI/RE, and my 403b/457 as just something extra.

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2 points submitted 8 days ago

I would go with the pension, assuming you also have access to the 457(b) plan described in your linked document. That basically a 401k that you can withdraw from before age 59.5 if you separate from service. So you canada goose jacket outlet can combine both options to have a guaranteed pension and significant accumulation in pre tax savings, should you so choose.

Could you see yourself staying at the job long term? If so, the pension likely is canada goose factory outlet a better option compared to the 401k. If you intend to retire super early and/or leave in a short period of time, then the 401k is likely better.

ETA: Likely, if you canada goose outlet parka decide to leave the University in a short time and have chosen the pension, you will be able to rollover your contributions (and interest) to an IRA or another employer 401k. You will have lost out on a few years worth of earnings and employer contributions. But if you choose the 401k option and end up staying a long time at the University, you stuck with your choice; there no going “back” to the pension plan.

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canada goose jacket outlet No, that’s actually not even close to what I said. You remind me of that famous interview with Jordan Peterson. “So what you’re saying is.” lol. It’s one thing for you to think somehow there’s systematic oppression against black people and you want to do something about it. It’s another thing to tattoo “black power” on your chest. I mean, who’s he “asking” for equality? All he’s canada goose outlet black friday doing is making himself look like a racist (as you can see in this thread). I’m for equality too, which means if a white person were to get canada goose outlet in deep shit for something, a black person should too. canada goose jacket outlet

canada goose coats uk A canada goose outlet store uk white person gets in deep shit for “white power” because white people are already in power and have been for centuries. So, a “white power” tattoo suggests white supremacy, which currently exists, needs to continue or needs to be augmented. Both canada goose outlet sale of those ideas are messed up which is why a white person would get in deep shit for suggesting something like that. canada goose coats uk

canada goose outlet uk sale Black people on the other hand were enslaved by white people and are currently systemically oppressed, whether you like it or canada goose outlet reviews not. Because of this added context “black power” suggests a demand for equality in power between black and white people. I’m not sure what makes you think black people suddenly want to oppress white people, or any other race. Black people have no history of doing anything like this, unlike white folks whose history is tainted with minority enslavement and colonization. canada goose outlet uk sale

canada goose outlet washington dc History and context are important when we talk about terms and words. There is a great video about this regarding why it’s ok for black people to rap or say the N word but that is not acceptable for other folks. canada goose outlet washington dc

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canada goose parka uk I had let it go, but after seeing the replay where Ramos barely gets touched by VVD and decides to leap into Karius with his elbow, which ultimately concusses him, it’s sickening. Disgusting play from Ramos and disgusting that RM fans are so ready to defend that kind of cunty football. “Haters will hate” that pathetic action on the pitch deserves goose outlet canada to be hated. His reputation precedes him as a dirty player and once again he proved it. It makes the game of football worse. canada goose parka uk

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I took a trip down CA 1 in late August 2016 from San Francisco to San Diago. Was amped for it, like super excited. Cloudy the entire time until maybe Santa Barbara. The worst part was that my wife and I decided to stop and to this kayaking thing where you go and see all these otters. Well, it took us 3 hours longer than anticipated. When we finished we had to get to our Air BB stay just south of canadagoose-outlet Big Sur. McWay falls we saw in the gloriousness /s of late dusk. The entire drive through big sur occurred in the dark. Instead of beautiful scenic drives, it was me locked in the upright position while my wife slept with me squinting around bend after bend in the road trying not to run us off a cliff with the shitty headlights in the rental car. I so much want to go back and spend more time on that trip. We did it in I think 2.5 days.

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canada goose outlet london It isn though. There is a reason that Europe is flooded refugees and it not based on better housing. Death counts from modern day terrorism easily exceed and I make the bigger point that these lunatics only kill people because they fucking believe in angels. I also not going to ask for specifics because that is one of the shittiest ways to argue a point, all I need to do is let you know that we currently live in the most peaceful era of human history. This is determined on High GDP countries warring with Cheap Canada Goose UK each other. That has gone down tremendously whereas the real issue is the power vacuum that is left after US intervention. That shit gets a lot of people killed and I think it would be a better point for you to make against my own argument than playing the mainstream “America is bad” card. You generalize so much with that thinking and it isn ok. I can admit that I generalize as well but my primary point is more on people killing others for religious reasons, I never specified a religion like the one you brought up. They all believe in shit that isn real, Christian or no, and that needs to stop. canada goose outlet london

kimster7 1 point submitted 1 month ago

Why terrorists or militaries kill people should be left out of this discussion. Case in point: imaginary WMDs led to the death of a quarter million or so people in Iraq. Want to talk about the rules the military stuck to in that canada goose outlet jackets case?

Let’s talk about Iraq and Saddam as well and the so called WMDs and terrorists there that the US wiped out. Did the US and its allies not fund and arm Saddam during the Iran Iraq war? Again, accomplices.

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