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Net worth you'd need at 35 to feel comfortable retiring/living off investments?

$2 million? $5 million? $10 million?
Arousing honey-headed jap
  04/22/18
5 would be most realistic. A buck isn’t worth anything anymo...
heady vermilion temple indirect expression
  04/22/18
?
Arousing honey-headed jap
  04/23/18
10
Obsidian aromatic bawdyhouse cuckoldry
  04/22/18
Why 10? Isn't avg lifetime earnings for people with advanced...
Arousing honey-headed jap
  04/22/18
https://www.ssa.gov/retirementpolicy/research/education-earn...
Arousing honey-headed jap
  04/22/18
Doesn’t include investment income though, I’m sure, which sh...
thirsty address
  04/22/18
That's a BOLD assumption
Arousing honey-headed jap
  04/22/18
Which part?
thirsty address
  04/23/18
The part where you assume proper saving and investing
Arousing honey-headed jap
  04/23/18
Ok
thirsty address
  04/23/18
when the time comes, 1 btc should do it.
Erotic corner factory reset button
  04/22/18
...
Curious Toilet Seat House
  04/22/18
$5MM
thirsty address
  04/22/18
...
amber appetizing stead generalized bond
  04/22/18
what's the avg and median net worth of americans at 35?
unholy theatre
  04/22/18
$40K
dull faggot firefighter codepig
  04/22/18
no way. that's avg salary
unholy theatre
  04/22/18
Americans are not financially educated
dull faggot firefighter codepig
  04/22/18
the average 60 year old has like 150k in their 401k. you do...
pearl tripping sneaky criminal
  04/22/18
link?
Concupiscible crotch boistinker
  04/23/18
Thats only cuz like a cuck they all support their kids throu...
Magical regret
  04/23/18
$20m
brindle mischievous office
  04/22/18
5MM spits out 100K/year and you should be comfortable with t...
Cerebral Love Of Her Life Ticket Booth
  04/22/18
100k a year via what investment?
Arousing honey-headed jap
  04/22/18
That’s only 2%. Even CD rates are at 2.7% currently and you...
thirsty address
  04/22/18
Yeah didn't think it was hard but wanted to ask regardless ...
Arousing honey-headed jap
  04/22/18
The broad equities market has about a 2% weighted average di...
impressive filthy den milk
  04/23/18
T has a 5.5 dividend
Soul-stirring kitchen son of senegal
  04/24/18
Whatever 1 spouse that makes 200k/yr in flyover is worth
misunderstood stage
  04/22/18
That's not retirement
Arousing honey-headed jap
  04/22/18
it's retirement for me
misunderstood stage
  04/22/18
$6-7M to just stop and never go into work again.
adventurous university legend
  04/22/18
At 35?? Seems high
Arousing honey-headed jap
  04/22/18
I got big bills buddy, and don't want to downgrade lifestyle...
adventurous university legend
  04/23/18
Lol what are you wasting money on
Arousing honey-headed jap
  04/23/18
Depends on how much you hate your job, for one. NW to be co...
exciting lime range
  04/22/18
$2M at 4% a year is 80k in flyover country you can live like...
greedy orange international law enforcement agency
  04/22/18
$10B
self-absorbed balding mad-dog skullcap
  04/22/18
There's no telling what real estate taxes and health care wi...
Cheese-eating tank philosopher-king
  04/22/18
$2-3M in SE Asia or E Europe is kingly
Laughsome Location
  04/22/18
That's relatively poor for singapore
aphrodisiac maize filthpig
  04/23/18
Oh, please, a decent but not spectacular 2 bedroom apartment...
Magical regret
  04/23/18
with $5mm in equities churning like 3% in dividends and 3% i...
big twinkling masturbator
  04/23/18
I'm retiring at 27 with 100k
Puce main people
  04/23/18
$1,181,250
impressive filthy den milk
  04/23/18
This thread is profoundly mentally ill. 1m is more than enou...
fragrant grizzly circlehead voyeur
  04/23/18
Explain
Arousing honey-headed jap
  04/23/18
No. Im worth like $1.5mil. I cant retire on that. Now $4 mil...
Magical regret
  04/23/18
You can't retire in fucking Hoboken on that no
fragrant grizzly circlehead voyeur
  04/23/18
That’s literally nothing
talking native
  04/23/18
Leave USA you retarded black nigger
fragrant grizzly circlehead voyeur
  04/23/18
5 million is tcr
dun crusty step-uncle's house pozpig
  04/23/18
3 million. Maybe less.
naked jew
  04/23/18
How would you make it work to age 80+
Arousing honey-headed jap
  04/23/18
I can't find an easy to use annuity calculator that includes...
naked jew
  04/23/18
$3 million x 0.04 = $120,000
impressive filthy den milk
  04/23/18
Im planning to retire at 500k
Vibrant judgmental black woman station
  04/23/18
Explain
Arousing honey-headed jap
  04/23/18
2.5 with a paid off & comfortable condo/house. but i ...
hateful galvanic box office
  04/23/18
Describe your ventures.
naked jew
  04/23/18
good question. moonshots. most likely work with someone ...
hateful galvanic box office
  04/23/18
DESCRIBE your next Airbnb scam.
impressive filthy den milk
  04/23/18
in bigger cities like nyc/dc/sf there is something called &q...
hateful galvanic box office
  04/23/18
I would spend 12 hours a day playing with my dog, at least f...
naked jew
  04/23/18
pics
hateful galvanic box office
  04/23/18
Given inflation, $10mm is minimum. Especially as the average...
iridescent depressive parlour
  04/23/18
...
hateful galvanic box office
  04/23/18
...
Electric Submissive Theater Stage
  04/23/18
fma
Arousing honey-headed jap
  04/23/18
$9,999,999,999,999,999,999,999,999,999,999,999,999,999,999,9...
spectacular dopamine dilemma
  04/23/18
Gonna bump this until I retire
Arousing honey-headed jap
  04/23/18


Poast new message in this thread



Reply Favorite

Date: April 22nd, 2018 9:24 PM
Author: Arousing honey-headed jap

$2 million? $5 million? $10 million?

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35896944)



Reply Favorite

Date: April 22nd, 2018 9:39 PM
Author: heady vermilion temple indirect expression

5 would be most realistic. A buck isn’t worth anything anymore. Ten is dramatic. You can never have a family.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897052)



Reply Favorite

Date: April 23rd, 2018 11:03 AM
Author: Arousing honey-headed jap

?

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35899627)



Reply Favorite

Date: April 22nd, 2018 9:25 PM
Author: Obsidian aromatic bawdyhouse cuckoldry

10

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35896957)



Reply Favorite

Date: April 22nd, 2018 9:26 PM
Author: Arousing honey-headed jap

Why 10? Isn't avg lifetime earnings for people with advanced degrees like $3-5 million

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35896966)



Reply Favorite

Date: April 22nd, 2018 9:37 PM
Author: Arousing honey-headed jap

https://www.ssa.gov/retirementpolicy/research/education-earnings.html

2.7mm for men with a graduate degree, 2.2 with bachelors

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897035)



Reply Favorite

Date: April 22nd, 2018 9:59 PM
Author: thirsty address

Doesn’t include investment income though, I’m sure, which should about double those figures assuming proper saving and investing (more if done aggressively or skillfully).

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897149)



Reply Favorite

Date: April 22nd, 2018 10:37 PM
Author: Arousing honey-headed jap

That's a BOLD assumption

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897352)



Reply Favorite

Date: April 23rd, 2018 3:52 AM
Author: thirsty address

Which part?

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35898608)



Reply Favorite

Date: April 23rd, 2018 11:02 AM
Author: Arousing honey-headed jap

The part where you assume proper saving and investing

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35899622)



Reply Favorite

Date: April 23rd, 2018 9:00 PM
Author: thirsty address

Ok

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35904591)



Reply Favorite

Date: April 22nd, 2018 9:26 PM
Author: Erotic corner factory reset button

when the time comes, 1 btc should do it.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35896962)



Reply Favorite

Date: April 22nd, 2018 9:39 PM
Author: Curious Toilet Seat House



(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897051)



Reply Favorite

Date: April 22nd, 2018 9:26 PM
Author: thirsty address

$5MM

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35896965)



Reply Favorite

Date: April 22nd, 2018 10:44 PM
Author: amber appetizing stead generalized bond



(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897390)



Reply Favorite

Date: April 22nd, 2018 9:27 PM
Author: unholy theatre

what's the avg and median net worth of americans at 35?

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35896967)



Reply Favorite

Date: April 22nd, 2018 9:28 PM
Author: dull faggot firefighter codepig

$40K

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35896976)



Reply Favorite

Date: April 22nd, 2018 9:32 PM
Author: unholy theatre

no way. that's avg salary

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897011)



Reply Favorite

Date: April 22nd, 2018 9:33 PM
Author: dull faggot firefighter codepig

Americans are not financially educated

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897015)



Reply Favorite

Date: April 22nd, 2018 11:34 PM
Author: pearl tripping sneaky criminal

the average 60 year old has like 150k in their 401k. you do the math.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897703)



Reply Favorite

Date: April 23rd, 2018 12:27 AM
Author: Concupiscible crotch boistinker

link?

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35898098)



Reply Favorite

Date: April 23rd, 2018 2:26 PM
Author: Magical regret

Thats only cuz like a cuck they all support their kids through college and beyond.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35901663)



Reply Favorite

Date: April 22nd, 2018 9:28 PM
Author: brindle mischievous office

$20m

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35896973)



Reply Favorite

Date: April 22nd, 2018 9:32 PM
Author: Cerebral Love Of Her Life Ticket Booth

5MM spits out 100K/year and you should be comfortable with that. The only real problems are health care and housing. If you inherit a house or something then ur set.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897010)



Reply Favorite

Date: April 22nd, 2018 9:35 PM
Author: Arousing honey-headed jap

100k a year via what investment?

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897025)



Reply Favorite

Date: April 22nd, 2018 9:39 PM
Author: thirsty address

That’s only 2%. Even CD rates are at 2.7% currently and you can find savings accounts at 1.6% for that kind of balance. Not hard....

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897045)



Reply Favorite

Date: April 22nd, 2018 9:40 PM
Author: Arousing honey-headed jap

Yeah didn't think it was hard but wanted to ask regardless

put it all in bitcoin and vanguard etf cr?

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897056)



Reply Favorite

Date: April 23rd, 2018 1:24 AM
Author: impressive filthy den milk

The broad equities market has about a 2% weighted average dividend.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35898297)



Reply Favorite

Date: April 24th, 2018 12:05 AM
Author: Soul-stirring kitchen son of senegal

T has a 5.5 dividend

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35906026)



Reply Favorite

Date: April 22nd, 2018 9:33 PM
Author: misunderstood stage

Whatever 1 spouse that makes 200k/yr in flyover is worth

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897014)



Reply Favorite

Date: April 22nd, 2018 9:37 PM
Author: Arousing honey-headed jap

That's not retirement

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897040)



Reply Favorite

Date: April 22nd, 2018 9:48 PM
Author: misunderstood stage

it's retirement for me

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897096)



Reply Favorite

Date: April 22nd, 2018 9:46 PM
Author: adventurous university legend

$6-7M to just stop and never go into work again.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897085)



Reply Favorite

Date: April 22nd, 2018 10:37 PM
Author: Arousing honey-headed jap

At 35?? Seems high

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897354)



Reply Favorite

Date: April 23rd, 2018 2:47 PM
Author: adventurous university legend

I got big bills buddy, and don't want to downgrade lifestyle.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35901881)



Reply Favorite

Date: April 23rd, 2018 9:03 PM
Author: Arousing honey-headed jap

Lol what are you wasting money on

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35904616)



Reply Favorite

Date: April 22nd, 2018 10:42 PM
Author: exciting lime range

Depends on how much you hate your job, for one.

NW to be comfortable getting pushed out at work with no other options, and ngaf about resume gaps? Even if you have a couple million, you'd still feel like a failure and it'd be a source of stress. In your spare time you will read xo poasts by poasters who make $600k. "What is wrong with me?" you'll ask, "this guy maeks $600k! me: poast!"

Chances are if you have a job, you'll still work like a maniac to keep it, if that's your personality type.

Nobody can just quit GC, it's like crack except without the highs. You will be made to feel ignomonious for not participating, this is why wagecucks have been known to die without cause, mere months into retirement. In order to be above the fray you have to be worth MILLIONS. It's not about the money per se because you can live in a trailer in Arknansas, poast like a KING for not much $. It's about keeping up with the JONESES and having HEALTH INSURANCE that you don't use, an overpriced Car, and a $500k tuition fund for your children.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897382)



Reply Favorite

Date: April 22nd, 2018 11:32 PM
Author: greedy orange international law enforcement agency

$2M at 4% a year is 80k in flyover country you can live like a king.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897695)



Reply Favorite

Date: April 22nd, 2018 11:33 PM
Author: self-absorbed balding mad-dog skullcap

$10B

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897698)



Reply Favorite

Date: April 22nd, 2018 11:35 PM
Author: Cheese-eating tank philosopher-king

There's no telling what real estate taxes and health care will cost 50 years from now. $5m probably isn't enough

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897725)



Reply Favorite

Date: April 22nd, 2018 11:35 PM
Author: Laughsome Location

$2-3M in SE Asia or E Europe is kingly

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897726)



Reply Favorite

Date: April 23rd, 2018 12:06 AM
Author: aphrodisiac maize filthpig

That's relatively poor for singapore

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35897974)



Reply Favorite

Date: April 23rd, 2018 2:28 PM
Author: Magical regret

Oh, please, a decent but not spectacular 2 bedroom apartment in Moscow is like $1.1 million and thats after the sanctions. Its only kingly in some shit city.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35901672)



Reply Favorite

Date: April 23rd, 2018 12:24 AM
Author: big twinkling masturbator

with $5mm in equities churning like 3% in dividends and 3% in real growth you could do it.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35898079)



Reply Favorite

Date: April 23rd, 2018 12:24 AM
Author: Puce main people

I'm retiring at 27 with 100k

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35898082)



Reply Favorite

Date: April 23rd, 2018 1:22 AM
Author: impressive filthy den milk

$1,181,250

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35898293)



Reply Favorite

Date: April 23rd, 2018 2:48 AM
Author: fragrant grizzly circlehead voyeur

This thread is profoundly mentally ill. 1m is more than enough.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35898524)



Reply Favorite

Date: April 23rd, 2018 11:02 AM
Author: Arousing honey-headed jap

Explain

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35899619)



Reply Favorite

Date: April 23rd, 2018 2:29 PM
Author: Magical regret

No. Im worth like $1.5mil. I cant retire on that. Now $4 million is another story.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35901680)



Reply Favorite

Date: April 23rd, 2018 5:26 PM
Author: fragrant grizzly circlehead voyeur

You can't retire in fucking Hoboken on that no

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35903225)



Reply Favorite

Date: April 23rd, 2018 2:48 PM
Author: talking native

That’s literally nothing

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35901889)



Reply Favorite

Date: April 23rd, 2018 5:26 PM
Author: fragrant grizzly circlehead voyeur

Leave USA you retarded black nigger

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35903229)



Reply Favorite

Date: April 23rd, 2018 11:03 AM
Author: dun crusty step-uncle's house pozpig

5 million is tcr

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35899623)



Reply Favorite

Date: April 23rd, 2018 11:11 AM
Author: naked jew

3 million. Maybe less.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35899667)



Reply Favorite

Date: April 23rd, 2018 2:11 PM
Author: Arousing honey-headed jap

How would you make it work to age 80+

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35901507)



Reply Favorite

Date: April 23rd, 2018 2:41 PM
Author: naked jew

I can't find an easy to use annuity calculator that includes COLA adjustments but I'd put maybe 1.5 mil into an immediate annuity and try to keep withdrawals front the rest at 2.5%. My earning record already would provide a respectable SS payment so that will help. I have simple needs and could easily do it in less than this. 3 mil presupposes the wife stays with me.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35901795)



Reply Favorite

Date: April 23rd, 2018 2:46 PM
Author: impressive filthy den milk

$3 million x 0.04 = $120,000

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35901860)



Reply Favorite

Date: April 23rd, 2018 2:13 PM
Author: Vibrant judgmental black woman station

Im planning to retire at 500k

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35901534)



Reply Favorite

Date: April 23rd, 2018 2:15 PM
Author: Arousing honey-headed jap

Explain

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35901553)



Reply Favorite

Date: April 23rd, 2018 2:42 PM
Author: hateful galvanic box office

2.5 with a paid off & comfortable condo/house.

but i doubt i could just "retire" at that age

the xo NEET fantasy is not sustainable. at 2.5, i would devote myself to an artistic/business venture

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35901803)



Reply Favorite

Date: April 23rd, 2018 2:43 PM
Author: naked jew

Describe your ventures.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35901819)



Reply Favorite

Date: April 23rd, 2018 2:45 PM
Author: hateful galvanic box office

good question. moonshots.

most likely work with someone technical to develop a business tool, and then try to pimp it out using salespeople. make another 2-3m sell it. try it again. maybe something in real estate similar to what i did before. that market is untapped and demand growing in my current city

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35901842)



Reply Favorite

Date: April 23rd, 2018 2:47 PM
Author: impressive filthy den milk

DESCRIBE your next Airbnb scam.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35901871)



Reply Favorite

Date: April 23rd, 2018 2:50 PM
Author: hateful galvanic box office

in bigger cities like nyc/dc/sf there is something called "corporate housing" - this is essentially the "airbnb scam" business model, except you own the condo or work with the owner(s) of the property, rather than leveraging your rental.

so you put down a down payment on 3 condos, rent them out full time and instead of renting them for 1.5k each month with one year leases, you gross 4k a month through rentals on airbnb or similar sites.

i also had some luck with "real estate sevices." which is just anything related to real estate - you manage tenants, collect rent, send repair guys over, list properites and find tenants etc.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35901914)



Reply Favorite

Date: April 23rd, 2018 2:48 PM
Author: naked jew

I would spend 12 hours a day playing with my dog, at least for the first year or so.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35901886)



Reply Favorite

Date: April 23rd, 2018 5:04 PM
Author: hateful galvanic box office

pics

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35903094)



Reply Favorite

Date: April 23rd, 2018 5:11 PM
Author: iridescent depressive parlour

Given inflation, $10mm is minimum. Especially as the average 35 person today will probably live to 110.

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35903141)



Reply Favorite

Date: April 23rd, 2018 5:13 PM
Author: hateful galvanic box office



(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35903146)



Reply Favorite

Date: April 23rd, 2018 5:14 PM
Author: Electric Submissive Theater Stage



(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35903153)



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Date: April 23rd, 2018 8:43 PM
Author: Arousing honey-headed jap

fma

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35904505)



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Date: April 23rd, 2018 9:02 PM
Author: spectacular dopamine dilemma

$9,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999,999

And still not enough to raise kids

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35904604)



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Date: April 23rd, 2018 10:42 PM
Author: Arousing honey-headed jap

Gonna bump this until I retire

(http://www.autoadmit.com/thread.php?thread_id=3956844&forum_id=2#35905393)