I agree but to generalize their religion as awful and not try and accept their view as one of legitimate belief seems close minded and awful in its own right . I was just trying to be respectful even tho I don ' t believe in religion I acknowledge most people do and try and sensor what I say . <| sep |> Ehh , every 10 years you could increase your bond holdings by 10 %. Age 38 20 % bondsAge 48 30 % bondsAge 58 40 % bondsAge 68 50 % bondsI ' d stop increasing at that point . Also , when you have an opportunity , you should rollover this 401 k into an IRA for cheaper and more flexible investment options . <| sep |> yeah , they are insane . every HS reunion i ' ve ever seen been to have been at bars . The only tough question is if you will do it in your home town makes sense if its night before halloween , or if you would do it in a city boston , new york , whatever city most people would logically be working living in ours was on the 2 nd floor of a bar . You might still have to pay some sort of cover to get some space for your group , and food if you want it