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Forum: FIRE and Money 05-15-2013, 09:30 AM
Replies: 82
Views: 2,305
Posted By youbet
Unless the 5.25% is cola'd, it's NOT "a huge...

Unless the 5.25% is cola'd, it's NOT "a huge increase in annual WR."


Unless your annuity payouts are cola'd, it's NOT longevity insurance. Likely, a non-cola'd stream of periodic payments...
Forum: FIRECalc support 05-15-2013, 09:18 AM
Replies: 19
Views: 447
Posted By youbet
Taxes are just another expense.

Taxes are just another expense.
Forum: FIRE and Money 05-14-2013, 11:48 AM
Replies: 95
Views: 2,531
Posted By youbet
The word "hyperinflation" is often over used and...

The word "hyperinflation" is often over used and mis-used.

I think current Fed policies will likely lead to inflation of say 4% - 6%. This will be painful for most families, retirees and...
Forum: FIRE and Money 05-14-2013, 11:06 AM
Replies: 80
Views: 4,151
Posted By youbet
+1 (It's always a pleasure when we have an area...

+1 (It's always a pleasure when we have an area of agreement MichaelB!)

Historically, inflation has been approximately as much of a threat to FI and portfolio survival as equity value variation....
Forum: FIRE and Money 05-11-2013, 03:18 PM
Replies: 7
Views: 718
Posted By youbet
Why yes, yes it is! A clever twist...

Why yes, yes it is! A clever twist though.........
Forum: FIRE and Money 05-01-2013, 10:23 AM
Replies: 7
Views: 360
Posted By youbet
Your research is right on target. The difference...

Your research is right on target. The difference between a "lump sum" payment and "withdrawing" is absolutely key to your scenario.

I think the Q and A you quoted is right on. You need to do the...
Forum: Health and Early Retirement 04-30-2013, 11:42 AM
Replies: 530
Views: 20,599
Posted By youbet
You can review the twenty-some pages of this...

You can review the twenty-some pages of this thread for examples.

I'm mystified as to why some people seem to be pleased that there are "losers" in the new plan. What satisfaction are they...
Forum: Health and Early Retirement 04-30-2013, 11:27 AM
Replies: 530
Views: 20,599
Posted By youbet
Not true IMO. I think that most of the time...

Not true IMO. I think that most of the time people are in favor of changes that benefit themselves, loved ones or that enhance or support their personal value system. OK, I suppose someone will. But...
Forum: FIRE and Money 04-30-2013, 11:14 AM
Replies: 223
Views: 19,888
Posted By youbet
Because of GPO, starting SS at 62 maximized...

Because of GPO, starting SS at 62 maximized financial security for DW should I predecease her.
Forum: Health and Early Retirement 04-30-2013, 10:55 AM
Replies: 530
Views: 20,599
Posted By youbet
Earlier on this thread, we established that there...

Earlier on this thread, we established that there will be winners and losers as a result of Obamacare. While the overall net outcome may be a postive good for the country (by someone's standard of...
Forum: Health and Early Retirement 04-30-2013, 10:50 AM
Replies: 530
Views: 20,599
Posted By youbet
Any change is promoted by those benefitting from...

Any change is promoted by those benefitting from it.
Forum: Life after FIRE 04-26-2013, 04:40 PM
Replies: 71
Views: 2,883
Posted By youbet
This isn't the same place that required all...

This isn't the same place that required all employees to have a vasectomy or tubal litigation in support of the owners' feelings regarding procreation, is it? You know, the one where the 64 year old...
Forum: Health and Early Retirement 04-26-2013, 04:27 PM
Replies: 530
Views: 20,599
Posted By youbet
Shhhhhhh......... PM me to discuss this. (See...

Shhhhhhh......... PM me to discuss this. (See above.) Or let's reopen one of the earlier threads where health care cost in the USA vs rest of world were being discussed.
Forum: Health and Early Retirement 04-26-2013, 04:08 PM
Replies: 530
Views: 20,599
Posted By youbet
OK, I'm glad you agree. And I have no problem not...

OK, I'm glad you agree. And I have no problem not discussing election rhetoric. I only mentioned it since you pushed for a source.

But, the cost vs effectiveness of health care in the USA and the...
Forum: Health and Early Retirement 04-26-2013, 03:52 PM
Replies: 530
Views: 20,599
Posted By youbet
Exactly. Health care cost reduction was an...

Exactly.

Health care cost reduction was an important part of campaign rhetoric. Then legislation was proposed and passed which will likely not be effective in bringing about cost reductions.
Forum: FIRE Related Political Topics 04-26-2013, 03:44 PM
Replies: 81
Views: 3,425
Posted By youbet
Our village has an ordinance prohibiting door to...

Our village has an ordinance prohibiting door to door solicitation without a permit (with picture name tag) issued by town hall. Our local neighborhood association is quite aggressive about calling...
Forum: Health and Early Retirement 04-26-2013, 03:27 PM
Replies: 530
Views: 20,599
Posted By youbet
It was part of the discussion, an important...

It was part of the discussion, an important selling point. If nothing else, the fact that our health care cost per person was high while our outcome effectivity was not, was repeated again and again...
Forum: Health and Early Retirement 04-26-2013, 03:17 PM
Replies: 530
Views: 20,599
Posted By youbet
Although cost control and reduction was an...

Although cost control and reduction was an important talking point in selling the initiative.
Forum: Health and Early Retirement 04-26-2013, 03:12 PM
Replies: 530
Views: 20,599
Posted By youbet
Unless they are.

Unless they are.
Forum: Life after FIRE 04-26-2013, 03:01 PM
Replies: 71
Views: 2,883
Posted By youbet
I liked that policy too. Before the policy was...

I liked that policy too. Before the policy was pointed out to my boss, he'd always instruct me to pick up tabs and submit an expense report when we were traveling together. Of course, he was the one...
Forum: FIRECalc support 04-26-2013, 02:49 PM
Replies: 7
Views: 318
Posted By youbet
Enter one half of your pension into FireCalc as...

Enter one half of your pension into FireCalc as non-cola'd. Enter the other half as cola'd. That should get you a reasonable swag for how your pension will perform vs. the CPI (at least historical...
Forum: FIRECalc support 04-26-2013, 12:47 PM
Replies: 7
Views: 318
Posted By youbet
Not a very good assumption unless your pension...

Not a very good assumption unless your pension easily covers 100% of your planned budget and your pension is cola'd. Even then, you have to assume you'll have no extraordinary expenses pop up and...
Forum: Life after FIRE 04-25-2013, 09:31 PM
Replies: 106
Views: 5,460
Posted By youbet
Why would you have chosen to do that to yourself?...

Why would you have chosen to do that to yourself? I'm always amazed at how folks allow themselves to spend the majority of their lives doing things they don't like doing........

It seems like...
Forum: Life after FIRE 04-19-2013, 06:51 AM
Replies: 106
Views: 5,460
Posted By youbet
+1

+1
Forum: Other topics 04-17-2013, 02:44 PM
Replies: 95
Views: 3,135
Posted By youbet
My spouse is driving on the streets of Chicago...

My spouse is driving on the streets of Chicago today, so we're on pins and needles too!

It's worse here than in Afghanistan.

...
Showing results 1 to 25 of 6818
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