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Forum: Health and Early Retirement Yesterday, 11:57 AM
Replies: 40
Views: 984
Posted By ERD50
If they don't take extreme measures to nip this...

If they don't take extreme measures to nip this in the bud, there will be a panic. This is a time to say 'the hell with individual rights', quarantine aggressively, and people coming in from...
Forum: Travel Information Yesterday, 11:49 AM
Replies: 41
Views: 669
Posted By ERD50
Consider Budapest. Food was excellent and cheap,...

Consider Budapest. Food was excellent and cheap, don't know about rentals. Public transportation was good (surface train/trolley and subway) - get written Hungarian directions if you plan on a cab,...
Forum: FIRE and Money Yesterday, 09:12 AM
Replies: 23
Views: 869
Posted By ERD50
OK, and yes, I think the mods would be happier if...

OK, and yes, I think the mods would be happier if we called 'truce' on the rest. ;)

-ERD50
Forum: FIRE and Money Yesterday, 08:58 AM
Replies: 25
Views: 1,325
Posted By ERD50
Are survivor benefits being considered (if there...

Are survivor benefits being considered (if there is a spouse or heirs)?

Lump sum provides 100% survivor/heir benefits, pensions provide nothing to heirs, and are reduced for a beneficiary...
Forum: FIRE and Money 09-30-2014, 06:53 PM
Replies: 9
Views: 496
Posted By ERD50
OK, thanks. I appreciate the insights. -ERD50

OK, thanks. I appreciate the insights.

-ERD50
Forum: Other topics 09-30-2014, 06:50 PM
Replies: 73
Views: 1,647
Posted By ERD50
I don't care about a million apps, I care about...

I don't care about a million apps, I care about the ones I use.

Checked my notes, my 3.5 year old Apple device could not be updated past a certain iOS version, and apps started passing me by. The...
Forum: Other topics 09-30-2014, 04:41 PM
Replies: 73
Views: 1,647
Posted By ERD50
That's true - you may not be able to update a...

That's true - you may not be able to update a device to the latest Android OS. But more important to me is that you will (almost) always be able to find apps that run on that older OS. You won't be...
Forum: Other topics 09-30-2014, 04:29 PM
Replies: 73
Views: 1,647
Posted By ERD50
Yep, and once they update their app to work with...

Yep, and once they update their app to work with the latest iOS, the Apple app-store drops the old one. I bet some developers update something just to make it stand out ' iOS 8 compatible!!!! '. So...
Forum: FIRE and Money 09-30-2014, 03:06 PM
Replies: 9
Views: 496
Posted By ERD50
I'm not disagreeing, but why do you say this? ...

I'm not disagreeing, but why do you say this?

-ERD50
Forum: FIRE and Money 09-30-2014, 03:02 PM
Replies: 23
Views: 869
Posted By ERD50
Why? If a business offers a...

Why?

If a business offers a lower-than-living-wage, and there are plenty of students who live at home, or others who don't need to support themselves, who are willing to work for that wage, then...
Forum: FIRE and Money 09-30-2014, 12:33 PM
Replies: 25
Views: 1,325
Posted By ERD50
They may be moving everyone to Prudential (I'm...

They may be moving everyone to Prudential (I'm not sure), but the lump-sum offer is a limited-time offer, from what I understand. Retirees moved to Prudential must be provided the same pension as...
Forum: FIRE and Money 09-30-2014, 12:08 PM
Replies: 25
Views: 1,325
Posted By ERD50
I made that assumption at first, and then...

I made that assumption at first, and then modified my thinking.

This is an offer, they aren't converting everyone. So if you don't like the offer, don't take it - no harm, no foul. So that means...
Forum: FIRE and Money 09-30-2014, 12:01 PM
Replies: 23
Views: 869
Posted By ERD50
I just don't see the reasoning behind the idea...

I just don't see the reasoning behind the idea that the lowest wage jobs should allow a single wage-earner to support a family. And it wasn't clear to me how they determine those costs for each...
Forum: Hi, I am... 09-30-2014, 11:43 AM
Replies: 18
Views: 1,355
Posted By ERD50
Also, those 90% stocks will be kicking off some...

Also, those 90% stocks will be kicking off some dividends, probably ~ 2%? So ~2/3rds of your $30K spending would not involve selling anything at all. Your ~ $100K in cash (if I read that correctly),...
Forum: FIRE and Money 09-30-2014, 11:22 AM
Replies: 25
Views: 1,325
Posted By ERD50
Are you sure this is apples-apples? I have not...

Are you sure this is apples-apples? I have not seen any answer in this thread to my earlier questions on this. To repeat myself:

A lump sum effectively provides 100% survivor benefits, so it...
Forum: Hi, I am... 09-30-2014, 11:09 AM
Replies: 1
Views: 235
Posted By ERD50
Isn't this pension insured by the PBGC? ...

Isn't this pension insured by the PBGC?




That's a BIG assumption.

I'd also run the numbers on that Fed Tax - adding pension income to your job income will cause it to all be taxed at your...
Forum: Stock Picking (Individual Security Analysis) 09-29-2014, 08:53 PM
Replies: 93
Views: 5,331
Posted By ERD50
I was only disagreeing with Running_Man regarding...

I was only disagreeing with Running_Man regarding his statement that (bold this time)'the buy and hold crowd has a large unseen market risk they are not even aware exists, and actually actively scoff...
Forum: FIRE and Money 09-29-2014, 02:10 PM
Replies: 25
Views: 1,325
Posted By ERD50
Of course it is good for them. Why would they...

Of course it is good for them. Why would they volunteer to offer something that was bad for them? I'd also say it is irrelevant.

Whether it is good/bad for you is all that matters. Someone with a...
Forum: Life after FIRE 09-29-2014, 01:43 PM
Replies: 430
Views: 20,325
Posted By ERD50
I've seen (This Old House?) where they run an...

I've seen (This Old House?) where they run an epoxy soaked liner down the old pipe, inflate a balloon tube through it and let it harden, and that effectively gives you new pipes, w/o the digging.
...
Forum: Stock Picking (Individual Security Analysis) 09-29-2014, 11:22 AM
Replies: 93
Views: 5,331
Posted By ERD50
An example of something I covered (or tried to,...

An example of something I covered (or tried to, maybe I was unsuccessful in my communication) in the 'pet peeve' thread - a poster making a broad generalization about a group of people, esp when that...
Forum: Life after FIRE 09-29-2014, 07:42 AM
Replies: 17
Views: 990
Posted By ERD50
If I were going to make these for profit, I'd...

If I were going to make these for profit, I'd consider the amortization of the router, bits, and maybe the router table itself if this works creates any appreciable wear on that. Those routers spin...
Forum: FIRE and Money 09-28-2014, 11:23 AM
Replies: 619
Views: 44,172
Posted By ERD50
I'm sorta in-between on this. I love the...

I'm sorta in-between on this. I love the technology of cars, the history and aesthetics, and I do read up and follow car stuff. And like boats, if a friend has one and wants to take me for a ride,...
Forum: Other topics 09-28-2014, 10:55 AM
Replies: 46
Views: 1,013
Posted By ERD50
Oddly, I don't recall seeing that statue when I...

Oddly, I don't recall seeing that statue when I was in Budapest. I will need to look through my photos.

Another 'give-away' in the Oscar Peterson statue, they got the piano right! Not many people...
Forum: FIRE and Money 09-27-2014, 09:53 PM
Replies: 25
Views: 1,325
Posted By ERD50
What is your comparison for that 64% number? A...

What is your comparison for that 64% number? A lump sum effectively provides 100% survivor benefits, so it should be compared to a 100% survivor benefit pension - not sure how much that reduction...
Forum: Other topics 09-27-2014, 11:28 AM
Replies: 41
Views: 925
Posted By ERD50
That's not universal. My 2000 Volvo S40 is a...

That's not universal. My 2000 Volvo S40 is a turbo, the manual does not call for synthetic.

Follow the manual, no matter what your configuration.

-ERD50
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