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Should I Buy a Home for Cash?

Question: I am 64 and my wife is 62. We both plan to retire in a few years and are expecting small monthly pensions to compliment our retirement savings. Should I buy a home for cash or continue to rent when we retire?

– Richard, Fairmont, West Virginia

Answer: “If you plan on staying there at least five to ten years, then it probably makes sense to buy the home with cash,” says Don Whalen, a CFP and senior wealth manager at Atlanta-based Versailles Financial. While renting also gives you a place to live, the cost will likely increase over time, he adds — making buying a home a compelling factor for retirees on a fixed nest egg.

Still, owning a home outright – bought with cash or financed with a mortgage – has maintenance costs that can be unpredictable. And just remember that paying all cash, instead of financing with a mortgage, gives up the flexibility of having that much more cash available.

Of course, owning a home offers you “the sleep easy factor,” says Whalen.  “Having housing funds tied up in stocks and bonds, with the roller coaster ride that both can take over any given period–short or long–isn’t what retirees should be preoccupied with,” he says.

Make sure to be diligent with what’s left over after buying or financing a home, so that the money lasts. “Stick to a max of a 4% withdrawal rate per year,” Whalen says.  Upon retiring, plan for about two years worth of income in cash to live on if the market turns sour consider a portfolio of 50% stocks and 50% bonds.

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    • By WebOsPublisher

      Dungeon Creatures page of Heroes of Might and Magic 5 section of Age of Heroes.
      Dungeon Creatures – Heroes of Might and Magic 5
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      7 Dec 2012: Might & Magic Portal, Addon Release Date and Duel Round 2 – read more
      18 Oct 2012: H6 Duel Map Tournament – Updated! – read more
      4 Oct 2012: Dungeon Addon Announced! – read more
      21 Sep 2012: 1.7 out of the Blue! – read more
      13 Sep 2012: Heroes 6 Replays, Weekly H6 Quiz and Upcoming Duel Tourney! – read more
      8 Aug 2012: Community Report – read more
      18 Apr 2012: StrategyInformer to HC, and Heroes developer switch – read more
      9 Apr 2012: A (supposed) Black Hole news burst and ERA II – read more
      31 Dec 2011: Pleasant end to 2011: Horn of the Abyss release (in Russian) – read more
      23 Dec 2011: Heroes VI’s patch 1.2 is out, Heroes III news – read more
      7 Dec 2012: Might & Magic Portal, Addon Release Date and Duel Round 2 – read more
      Age of Heroes
      :
      Heroes 5
      Heroes 1Heroes 2Heroes 3Heroes 4H4 Card GameHeroes 5Latest NewsAOH TeamSite HistoryAdvertisingWebmasterHOMM LinksPrivacy/CopyrightHeroes CommunityTournament of HonorMapHaven ArchiveRelated places:Buy Heroes Games
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      Dungeon
      Main PageInterviews $ TimelineGalleryHeroes 5 ManualsAdditional ResourcesFirst Addon: Hammers of FateSecond Addon: Tribes of the EastAcademyDungeonHavenInfernoNecropolisSylvanHoF: FortressToE: StrongholdArtifactsCombatBuildingsCampaignsCreaturesHeroesDuel HeroesDuel Heroes (ToE)Map LocationsMoon WeeksSkillsSpellsTownsRelated places:Buy Heroes 5Heroes 5 Forum
      :
      Creatures
      IntroductionHistoryHeroesBuildings (Standard)Buildings (Magic)Buildings (Dwellings)CreaturesGrowth ChartsTown SpecializationsStrategyToE: HeroesToE: Buildings (Standard)ToE: Buildings (Magic)ToE: Buildings (Dwellings)ToE: CreaturesRelated places:Warlock SkillsElemental ChainsHero SpecialtiesCreature Abilities
      ToE
      H5/HoF
      View All Creatures
      Dungeon Intro
      Since the introduction of the Dark Elves, the Dungeon town has been severely overhauled. Their creature ranks, however, remain rather similar to that of Heroes IV, with a few new additions. Having a high-level spellcaster at level 6, as well as the perennial ‘strongest creature’, the Black Dragon, as well as powerful auxiliaries such as the Hydra and the Minotaur, the Dungeon town looks to be a slow but powerful town. The only stumbling blocks are the high costs, and their relatively slow creatures.
      How to read this page
      Most of the elements describing the creature should be quite familiar. However, if they’re not, here’s what you should know:
      The Attributes panel presents the creature’s attack, defense and such. Position your mouse over an element to display the tooltip if you’re not familiar with the icon.
      The Economics panel shows the cost of the unit, and its weekly growth rate.
      Move your mouse over the abilities to show the description popup.
      Casters have a spellbook: it opens as a popup to show the creature’s spells. The little icon next to the spell name represents the creature’s mastery of that spell, ranked from None to Expert. Click on a spell to go to the corresponding spell page.
      The Experience value is the amount of experience your hero will gain when killing one creature of that type.
      The Power Rating is a global indicator of the creature power. It allows you to roughly compare different creatures, even if, of course, there’s no such thing as a unique strategy and power ladder in Heroes 5!!
      Dungeon – Level 1Scout
      The main role for scouts on the battlefield is to make ranged attacks with their crossbows. They are also trained in close combat, however, and can defend themselves in melee.
      » Abilities $ Power
      » Economics
      ShooterThis creature can inflict damage remotely. When distance to target is longer than half the arena, the target suffers only half the normal damage. Shooter cannot use ranged attack when blocked by enemy creature. If there’s no Ammo Cart in the army, the number of shots is limited by available ammo..
      No Melee PenaltyShooter has no penalty for damage inflicted during melee attack..
      Range PenaltyShooter always inflicts only half the normal damage to the target but doesn’t incur any penalty on melee attack..
      12180
      60
      7
      » Comment
      » Attributes
      The Scout is a fast and expensive level 1 shooter. Its high iniative allows it to gets shots away before its numbers can be significantly cut, and its damage for a level 1 is outstanding. 5 shots isn’t substantial for long battles, but thankfully, it comes with a no-melee penalty, making it an effective melee fighter too. Cost is the only issue.
      Shooter332 – 41051005
      Dungeon – Level 1 UpgradeAssassin
      The main role for the assassins on the battlefield is to make ranged attacks with their deadly crossbows. Using enchanted bolts they inflict grievous, poisoned wounds on their enemies.
      » Abilities $ Power
      » Economics
      ShooterThis creature can inflict damage remotely. When distance to target is longer than half the arena, the target suffers only half the normal damage. Shooter cannot use ranged attack when blocked by enemy creature. If there’s no Ammo Cart in the army, the number of shots is limited by available ammo..
      No Melee PenaltyShooter has no penalty for damage inflicted during melee attack..
      Poisonous AttackIn addition to normal damage the enemy attacked will also be poisoned. Poisoning will cause a certain amount of damage during the next three turns.Poison damage is proportional to the number of creatures in the attacking stack (at the time of poisoning). Multiplier is 1 for Assassins and 4 for Manticores..
      Range PenaltyShooter always inflicts only half the normal damage to the target but doesn’t incur any penalty on melee attack..
      23295
      100
      7
      » Comment
      » Attributes
      The Assassin is a slightly improved version, and is worth the 30 extra gold. The added 4 Hit Points are especially welcome due to their relatively high numbers compared to other Dungeon troops. Their poisonous attack is excellent considering their low number of shots. Their initiative has been enhanced again to make sure it gets shots away even earlier (especially effective in the early game where other low-level creatures have substantially lower initiative).
      Shooter432 – 41251405
      Dungeon – Level 2Blood Maiden
      Blood Maidens are lightning-fast female warriors who practice a deviant form of the Elven Battle Dance. They move quickly to reach their opponent, strike, and return to their starting place, all in one blur of motion.
      » Abilities $ Power
      » Economics
      Strike and ReturnCreature attacks and returns to its previous position..
      21333
      125
      5
      » Comment
      » Attributes
      The Blood Maiden is a weak creature as far as Dungeon creatures go, and is the obvious substitute for the Harpy. While they are very effective on the offensive front, their defenses are so weak that they are easily defeated by almost any creature. Their saving grace in this respect is their high initiative and speed, so if they’re lucky, they might just be able to scramble out of trouble.
      Walker425 – 71471600
      Dungeon – Level 2 UpgradeBlood Fury
      Blood Furies are the elite warriors of the Dark Elf armies. So well trained are they in their own form of Battle Dance that they can charge and evade in the same strike, preventing their foes from reacting and retaliating before they are gone.
      » Abilities $ Power
      » Economics
      Strike and ReturnCreature attacks and returns to its previous position..
      No Enemy RetaliationEnemies never retaliate after melee attacks by creatures with this ability..
      35484
      175
      5
      » Comment
      » Attributes
      The No Retaliation special is a much needed improvement for the defensively incapable Blood Fury. No Retaliation allows them to outlast their downgrade in combat, and their increased defense, initiative, speed and Hit Point ratings do likewise. This upgrade is definitely worthwhile if they are to be worth their money.
      Walker535 – 71681600
      Dungeon – Level 3Minotaur
      Along with the other Beastmen, the Minotaurs, half-man and half-bull, were created by the Wizards of the Seven Cities as replacement for the Orcs. They fled east, and underground, to earn their freedom, but they were later conquered by the Dark Elfs and once again bound in chains and muzzled. In the Dark Elf society, the Minotaurs are used as menial labour to perform the most degrading and tedious tasks. Despite this treatment, the Minotaurs are known for their bravery and dignity. They will perform any task to the utmost of their ability, including fighting for those who treat them as slaves. They hope some day to earn their freedom; the Dark Elves fear that some day, they will seize it instead.
      » Abilities $ Power
      » Economics
      BraveryCreature always has positive morale (no less than +1)..
      25342
      140
      6
      » Comment
      » Attributes
      The Minotaur has easily the highest Hit Points of any level 3 creature. Unfortunately, their defence is very low, much like the rest of their statistics, aside from damage which is acceptable, though the range is too large. They are easy targets for ranged attackers due to their low initiative, so haste is a good spell to use here.
      Walker524 – 7853100
      Dungeon – Level 3 UpgradeMinotaur Guard
      The greatest of the Minotaur fighters receive additional gladiator training, and are rewarded by being promoted to Guards. They are tattooed with their badges of office and use deadly double-bladed axes with great skill, dealing two heavy blows in sequence.
      » Abilities $ Power
      » Economics
      BraveryCreature always has positive morale (no less than +1)..
      Double AttackCreature strikes two blows at the target in a single attack..
      38474
      200
      6
      » Comment
      » Attributes
      The Minotaur Guard is only a very small statistical upgrade, but the double attack effectively doubles their damage, and their range (3 -
      Walker524 – 7853500
      Dungeon – Level 4Dark Raider
      Dark Raiders are the backbone of the armies of Ygg-Chall. They are well-trained, armoured warriors, mounted on great lizards, who ride into battle with a heavy lance and shield. Speed is their main weapon, and the damage they wreak with their lances depends on the distance over which they accelerate.
      » Abilities $ Power
      » Economics
      Large CreatureThis creature takes 2×2 squares on the battlefield..
      Rider ChargeFor each battlefield tile covered by this creature during attack, the target’s Defense is reduced by 20% (all the way down to zero)..
      40598
      300
      4
      » Comment
      » Attributes
      Though weak in attack and defense values, it is the Dark Raider’s initiative, Hit Points, and good damage (also through Charge) that make it a favourable addition to the Dungeon army. Their speed and initiative is best put to use down the flanks where obstacles are minimal, which allows them to make use of their charge ability. Though expensive, their cost is illustrative of their ability.
      Walker977 – 121164000
      Dungeon – Level 4 UpgradeGrim Raider
      Grim Raiders are similar to their less-powerful brethren. They are far more skilled, however, and their lizards are trained to bite their enemies.
      » Abilities $ Power
      » Economics
      Large CreatureThis creature takes 2×2 squares on the battlefield..
      Rider ChargeFor each battlefield tile covered by this creature during attack, the target’s Defense is reduced by 20% (all the way down to zero)..
      Lizard BitePerform an attack against neighbouring enemy and inflicts half the regular damage, if this enemy is attacked by an allied creature..
      59812
      450
      4
      » Comment
      » Attributes
      With improved attack and defense ratings, Grim Raiders are cured of the Dark Raider’s main weakness. Add to that higher Damage and Speed, as well as the highest Hit Points for a level 5, and you have every reason to use them offensively. Though the cost of the upgrade is considerable, it is nevertheless an elementary upgrade. Lizard Bite is particularly useful around numerous creatures, and is devastating in tandem with the Blood Fury’s non-retaliatory strike and return.
      Walker1097 – 141186000
      Dungeon – Level 5Hydra
      Hydras are another race of underground creatures tamed and enslaved by the Dark Elves. Their origins are unknown, although they seem to be related to the Dragons in spite of their very limited intelligence and lack of magic power. However, Hydras are incredibly strong, and their multiple heads can strike simultaneously at different opponents.
      » Abilities $ Power
      » Economics
      Large CreatureThis creature takes 2×2 squares on the battlefield..
      Three-headed AttackThe creature can attack simultaneously all enemy creatures standing on three adjacent cells.The Cerberus attacks 3 adjacent tiles. The Hydra attacks 6 adjacents tiles..
      No Enemy RetaliationEnemies never retaliate after melee attacks by creatures with this ability..
      EnragedThis creature’s attack increases during combat when any friendly unit dies (except resurrected creatures or creatures summoned to battlefield by magic).The increase is proportional to the killed stack relative power in the army..
      57968
      700
      3
      » Comment
      » Attributes
      Aside from Hit Points and great abilities, the Hydra is a below average level 5 creature statistically, as much as it pains me to say so. While speed is acceptable, considering its size, initiative, attack, defense and damage are all sub-par. Haste and Teleport are two spells you should hope turn up in the Mage Guild. It is also extraordinarily expensive, like most other Dungeon creatures.
      Walker15127 – 14758000
      Dungeon – Level 5 UpgradeDeep Hydra
      Deep Hydras are older than other Hydras and have six heads instead of three. This permits them to both deal more damage and strike more enemies.
      » Abilities $ Power
      » Economics
      Large CreatureThis creature takes 2×2 squares on the battlefield..
      Six-headed attackCreature attacks all adjacent tiles simultaneously, causing damage to all enemy creatures positioned there..
      No Enemy RetaliationEnemies never retaliate after melee attacks by creatures with this ability..
      RegenerationCreature restores its health by 30 – 50 HPs each turn..
      EnragedThis creature’s attack increases during combat when any friendly unit dies (except resurrected creatures or creatures summoned to battlefield by magic).The increase is proportional to the killed stack relative power in the army..
      851324
      900
      3
      » Comment
      » Attributes
      Other than the huge Hit Point upgrade to an already sizeable amount, the Deep Hydra offers little other improvements. Its regeneration ability serves only to increase its seemingly bottomless pit of Hit Points, and is particularly useful in low numbers of Deep Hydras. Its six-headed attack once again means it could potentially deal 84 damage, though due to its size, it is unlikely that it will be able to attack more than 3 other units. The Deep Hydra makes an excellent garrison unit – unless you can find spells to maximise its damage output.
      Walker15159 – 147512500
      Dungeon – Level 6Shadow Witch
      The Shadow Witches are priestesses of Malassa They use their whips in close combat, but are far deadlier with their spells of dark magic.
      » Abilities $ Power
      » Economics
      ShooterThis creature can inflict damage remotely. When distance to target is longer than half the arena, the target suffers only half the normal damage. Shooter cannot use ranged attack when blocked by enemy creature. If there’s no Ammo Cart in the army, the number of shots is limited by available ammo..
      CasterThis creature can use a set of magical spells similar to those cast by heroes. Mana reserve is limited but always set to maximum at the beginning of combat. Spellpower depends on the number of creatures (activated ability)..
      1362193
      SpellBook
      Slow (4 Mana)Makes target enemy stack take fewer actions in combat.
      Vulnerability (5 Mana)Destroys armor of target enemy stack, reducing its defense. Can be cast several times o…
      Righteous Might (6 Mana)Affected creature is filled with rage and a lust for blood, it gains bonus to attack.
      1400
      2
      » Comment
      » Attributes
      The Shadow Witch’s strength outdoubtedly lies in its ability to attack from range – with either spells or a ranged attack. Hence, their statistics aren’t at all spectacular, faltering in Speed, Hit Points and attack and defense ratings especially. Its 4 shots are hardly sufficient, either, but Dungeon are desperately in need of such a ranged attacker.
      Caster/Shooter181817 – 2410480114
      Dungeon – Level 6 UpgradeShadow Matriarch
      The Shadow Matriarchs are the ruling elite of the Dark Elf armies. If pressed into close combat they use whips as weapons, but prefer to rely on their much more potent magics. The Matriarchs have more spells at their disposal than the Witches.
      » Abilities $ Power
      » Economics
      ShooterThis creature can inflict damage remotely. When distance to target is longer than half the arena, the target suffers only half the normal damage. Shooter cannot use ranged attack when blocked by enemy creature. If there’s no Ammo Cart in the army, the number of shots is limited by available ammo..
      CasterThis creature can use a set of magical spells similar to those cast by heroes. Mana reserve is limited but always set to maximum at the beginning of combat. Spellpower depends on the number of creatures (activated ability)..
      Whip StrikeThere’s a certain chance that during a melee attack this creature will use one of the following spells, in addition to inflicting regular damage: Slow, Weakness or Berserk. (The spell does not work on undead, elemental and mechanical units.)The spell is cast with spell power 3..
      1552537
      SpellBook
      Slow (4 Mana)Makes target enemy stack take fewer actions in combat.
      Vulnerability (5 Mana)Destroys armor of target enemy stack, reducing its defense. Can be cast several times o…
      Confusion (9 Mana)Makes creatures in target enemy stack forget what they are doing on a battlefield. Some…
      Righteous Might (6 Mana)Affected creature is filled with rage and a lust for blood, it gains bonus to attack.
      1700
      2
      » Comment
      » Attributes
      The Shadow Matriarch is a small but all-around solid improvement from the Shadow Witch. All statistics have risen, but still low for a level 6 standard, aside from damage which is satisfactory. Its spells, while not particularly powerful, are sufficient when its shots are extinguished.
      Caster/Shooter202017 – 2710490184
      Dungeon – Level 7Shadow Dragon
      Shadow dragons live deep in the massive caverns of the far underground. Worshipped by Dark Elf society as avatars of their Great Mother, they tolerate their worshippers and occasionally ally with them. Even a single dragon is a terrifying opponent, its breath a burst of negative energy that can lay waste to even the toughest enemies.
      » Abilities $ Power
      » Economics
      Large CreatureThis creature takes 2×2 squares on the battlefield..
      FlyerThis creature can move on to any free tile on the battlefield during its turn, regardless of the obstacles in the way..
      Fire BreathDuring attack, creature damages not only the target but any other unit positioned directly behind it..
      2695234
      3700
      1
      1
      » Comment
      » Attributes
      While Attack and Defense ratings are quite poor, the Shadow Dragon shines in all other areas, particularly damage and speed. Its fire breath ability has returned, again wreaking havoc on tightly packed formations. It does not have magical immunity like its Black cousin, so make use of this and cast as many beneficial spells as possible.
      Flyer252445 – 7010920000
      Dungeon – Level 7 UpgradeBlack Dragon
      Black Dragons are the older, more powerful siblings of the Shadow Dragons. In addition to the skills their lesser brethren possess, Black Dragons are stronger and completely immune to magic.
      » Abilities $ Power
      » Economics
      Large CreatureThis creature takes 2×2 squares on the battlefield..
      FlyerThis creature can move on to any free tile on the battlefield during its turn, regardless of the obstacles in the way..
      Immunity to MagicCreature is immune to all magical impact (including friendly spells)..
      Fire BreathDuring attack, creature damages not only the target but any other unit positioned directly behind it..
      3536443
      4500
      2
      1
      » Comment
      » Attributes
      The ominous Black Dragon has returned, and it is once again a destructive force on the battlefield. It deals the highest damage of any creature, has excellent attack and defense ratings, blazing speed, great Hit Points. The only slightly mediocre element is its initiative, at a ‘lowly’ 10. Its magical immunity makes the Black Dragon very difficult to defeat, seeing as there is no creature that can even stand up to its physical prowess.
      Flyer303045 – 7010924000
      Dungeon Analysis (by ThE_HyDrA)
      Walker: 8
      Shooter: 4
      Flyer: 2
      Spellcaster/-: 2
      Total Orientation:
      The Dungeon is not as balanced as some other towns, but contains all the vital pre-requisites for a successful town. Its main problem is its lack of flyers, and, to some extent, mid-level shooters. It has numerous walkers that are fast, with the exception of the Hydra and the Minotaur. The Dungeon possesses magical prowess in the the Shadow Witch and the Black Dragon. Varied strategies could be employed by the Dungeon to overcome its enemy – it does not lend itself to one in particular.
      This information comes from the Heroes V release version (v2.1).
      Thanks to sfidanza for the work on this page.
      Thanks to Lord_Crusader for the pictures!
      Thanks to ThE_HyDrA for creating and looking after the Heroes 5 section of Age of Heroes!
      Age of Heroes is copyrighted ©1999-2008. Unauthorised reproduction is prohibited. In-Game Advertising. Webmaster.

      http://id.lenta.ru/profile/108850/

    • By WebOsPublisher

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    • cEshH8 smmjymamivko

    • Michelle, I so totally agree with you. I am 59 and unalbe to work full time because of physical and mental disabilities. I have tried to work part-time just to get an extra $600 per month that will not affect my SSDI. However, after 2 hours, I am totally exhausted. I just do not want to work any more. I am looking for alternatives like a roommate. Anything! I am so very tired of working. I started working at 7 years old, full time. I am sick of work!

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