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Old 01-07-2014, 08:41 AM   #161
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I participate in fewer of these threads than you do.
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Old 01-07-2014, 09:55 AM   #162
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I participate in fewer of these threads than you do.
Do I still count this as one post, while noting that many others stay completely silent?
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Old 01-07-2014, 06:06 PM   #163
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From Fiddler on the roof:

[TEVYE]
"Dear God, you made many, many poor people.
I realize, of course, that it's no shame to be poor.
But it's no great honor either!
So, what would have been so terrible if I had a small fortune?"
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Old 01-08-2014, 01:32 PM   #164
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I have moved between provinces and getting health care was a snap. Canada is currently governed by a right of centre party. At least the rest of the world would think so. Americans think we are socialists. All compartative i guess.
Me too about province to province and no problems at all. In fact, I need to point out as well, that if we live in one province we can still get medical care in all of the provinces fairly easily. There are most often out of pocket costs that are reimbursed by your home province healthcare plan later though.

My view on the socialist thing is we are carrying too much baggage from past government.

And in previous posts, regarding criteria for healthcare being difficult in Canada....
Over the years I have employed three foreign employees on temporary work permits and they qualify for free healthcare after three months residency. Any landed immigrant here can get free health care in a pinch. Our social welfare is extremely easy to tap into for those in need.
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Old 01-08-2014, 01:41 PM   #165
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Ha, Seattle is a great city and I love visiting there. It sounds like it is the perfect city for you.

Our ideal location for a place to live would be some place cheaper, sunnier and even more Socialist.
We often get lots of sunny days in a year, but too many of those sunny days are bitter, biting, finger numbing, toe tingling, nose running, -40 with the wind (that's Celsius) days. Just like yesterday, and Monday. Last Wednesday and Thursday..... Etc.

It's just not worth the cheaper COL and the socialist slant.!?!
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Old 01-08-2014, 01:46 PM   #166
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I was so looking forward to the deaccumulation stage and now we have to try to make even more so we can die with the most toys? Dagnabbit.
Ha! And I was getting caught up in this a bit. I guess I should work a bit on having more conviction.
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Old 01-08-2014, 01:49 PM   #167
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Ditto!
Though maybe an occasional vacation at the five star place ... while traveling and staying in not the hostels but not the five stars...

Dang it! I meant to quote a post on an earlier page here...

I quite suck at this. Sorry.
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Old 01-08-2014, 01:55 PM   #168
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I just booked a trip to Europe and, for the first time, I'll be flying in business class. Who knows, if I get used to traveling like this I may have to increase my allocation to equities!
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Old 01-08-2014, 02:20 PM   #169
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But, but, but you just came back from there.

Anyway, as you move up in the world, I hope you'll still remember us poor peasants, the huddled mass in cramped coach seats, who are not even allowed to use the toilets in the front of the aircraft.

And about increasing allocation to equities, didn't you mean further increasing allocation to biotech stocks?
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Old 01-08-2014, 03:13 PM   #170
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But, but, but you just came back from there.

Anyway, as you move up in the world, I hope you'll still remember us poor peasants, the huddled mass in cramped coach seats, who are not even allowed to use the toilets in the front of the aircraft.

And about increasing allocation to equities, didn't you mean further increasing allocation to biotech stocks?
Yes, I just came back, what can I say... Perhaps I won't see much value in paying about 3x more for business class. Moving up in the world does not mean one has to lose sight of value. In the meantime, I have cut back on biotech though it still represents ~20% of my portfolio at the moment. I'll probably cut further in the coming months and move to a more diversified equity portfolio.
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Old 01-08-2014, 03:33 PM   #171
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If and when I have more money to allocate to travel, business seats will take priority over fancy hotels.

Fancy hotels do nothing for me. A small family-run inn has much more charm. But oh, the business seat that flattens out to allow you to sleep through most of the flight and just wake up for meals, compared to the erect coach seat that one contorts his body in, trying to find that elusive position that's comfortable enough for a 15-minute nap. If my love for seeing new places is not as strong as it is, I would not put myself to such torture. But with this aging body, I fear the scale is slowly coming to the tipping point, where I would rather stick with domestic travel in my comfortable motorhome, where my own bed awaits anytime I like to pull over to rest, and a bathroom that I do not have to stand inline for.

Still, if the market keeps going, and EM recovers, just maybe, maybe... One always hopes...
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Old 01-08-2014, 05:48 PM   #172
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We often get lots of sunny days in a year, but too many of those sunny days are bitter, biting, finger numbing, toe tingling, nose running, -40 with the wind (that's Celsius) days. Just like yesterday, and Monday. Last Wednesday and Thursday..... Etc.

It's just not worth the cheaper COL and the socialist slant.!?!
I grew up in the Midwest so I remember those days!
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Old 01-08-2014, 06:48 PM   #173
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If and when I have more money to allocate to travel, business seats will take priority over fancy hotels.

Fancy hotels do nothing for me. A small family-run inn has much more charm. But oh, the business seat that flattens out to allow you to sleep through most of the flight and just wake up for meals, compared to the erect coach seat that one contorts his body in, trying to find that elusive position that's comfortable enough for a 15-minute nap. If my love for seeing new places is not as strong as it is, I would not put myself to such torture. But with this aging body, I fear the scale is slowly coming to the tipping point, where I would rather stick with domestic travel in my comfortable motorhome, where my own bed awaits anytime I like to pull over to rest, and a bathroom that I do not have to stand inline for.

Still, if the market keeps going, and EM recovers, just maybe, maybe... One always hopes...
I don't know - flying business class would double the cost of our trips to Europe.

Can't bring ourselves to pay for that yet.
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Old 01-08-2014, 09:05 PM   #174
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Well, that's one of my reasons for wanting to be rich when old. And at 57, I consider myself old. But nowhere near rich.

A business seat is awfully nice for flight legs of 11 to 15-hour long, although I have been in tightly packed narrow airplanes that were pure torture for the 4-hour domestic leg. And I am not a big or tall guy.
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Old 01-08-2014, 09:59 PM   #175
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Well, that's one of my reasons for wanting to be rich when old. And at 57, I consider myself old. But nowhere near rich.

A business seat is awfully nice for flight legs of 11 to 15-hour long, although I have been in tightly packed narrow airplanes that were pure torture for the 4-hour domestic leg. And I am not a big or tall guy.
9 hrs there in economy plus wasn't bad. That extra $6,000 saved sure will pay for a lot of train tickets, meals and hotels for the two of us while there! Travel within Europe is much much more expensive than US.
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Old 01-08-2014, 10:45 PM   #176
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Yes, but the point is that I want to be as rich as Danmar and our young friend FIREd, so that I don't care about the cost.

We have flown business class & first class courtesy of megacorps, but have not paid out of pocket for any. It hurts too much, because we are still poor.
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Old 01-08-2014, 10:55 PM   #177
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Someone once said

“A Conscience Is What Hurts When All Of Your Other Parts Feel So Good.” - Anon.

As all the money I have made came from working or investing which are all legal and ethical means, not even my conscience would hurt if and when I get rich. Please God, just one more stock bubble.
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Old 01-10-2014, 04:19 PM   #178
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Asset allocation and withdrawal rate are usually set according to one's risk tolerance.

It's not surprising to me that people are suggesting more equities and higher withdrawal when the market is surging as it is now.

However, I remember the fall of 2008, when so many of our members posted that they were selling. Some were even completely pulling out of the market, selling ALL of their equities low and essentially condemning themselves to many more years of work before ER. All this, because they had not originally set their AA to a level that they could stick with during bad times as well as good.

Sure, one could become wealthier in the long run by going all in, and that is not too tough during the accumulation phase (even I was 100% equities for a few years, despite my conservative stance now). But you know, it takes a lot more courage to stick with an AA this risky than most retired people have. Mistakes in these decisions can have horrific results.
Well said, W2R, I was going to let my equities continue to float up but decided to get back to my comfortable position of 50/50.
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Old 01-10-2014, 04:28 PM   #179
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Someone once said

“A Conscience Is What Hurts When All Of Your Other Parts Feel So Good.” - Anon.

As all the money I have made came from working or investing which are all legal and ethical means, not even my conscience would hurt if and when I get rich. Please God, just one more stock bubble.
Meeeeeeeee 2.

bbbbubu ... but after dot boom crash, I wished for one more bubble and it came as housing one. I've got my wish but when the housing bubble burst, I could not take the money out of equity fast enough . So, wish for an investment wisdom while asking for another bubble .
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Old 01-10-2014, 05:03 PM   #180
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What you want is somebody to ring the bell at the market top, so that you can get out.

You are a newcomer here, so I will let you in on an open secret. We already have such signal. You will need to frequent this forum and watch out for the "Wh***" signal.

It all started with this thread: Record Dow! Whee! The OP was dated Oct 01, 2007. My record shows that my high back then was on Oct 31, 2007. I had all the time to get out of the market, but I did not know about this forum until 2008. So, I missed out.

That was the "Wh***" heard around the world. And just because you don't know about it does not mean you will not get hurt. I explained that in a post here: Its funny joke Thursday!

Now, you will understand why people here are running scared like headless chicken anytime they see a "Wh***" posting.
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