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I am returning to this forum after a long time. So sorry for the super delayed response. I hope you find this helpful. This article addresses some of points in your post and provides a good summary of what's going on. A. LTC products were underpriced because: 1. Lapse ratio was...

1. Make a budget and stick with it no matter what so that you save as much as you planned to save 2. Invest the amount saved based on your risk tolerance. Start investing early to allow maximum time for your money to grow 3. If you have the capacity, watch out for additional money making/saving...

:)...If I were an insider, I wouldn't have let this secret out! It is a good thread and is worth keeping it updated!!

Its not my forecast; its a fact probably known only to the insiders in the LTC industry!

Whether the premiums for your LTC policy has increased so far or not, it is bound to increase multiple times in the near future (during the next 2 to 20 years). Here is why I say so. When LTC insurance product was being designed and priced by the Actuaries, they had assumed some of the ratios...

Not to mention that Madison has three lakes where you can always go canoe or kayak in summers!

If the criteria is to have a cheap place to live then here are my two cents. I am from India and we (DW & I) keep travelling all the time because of my job. Last year we were staying in Madison, WI in one of the extended stay hotels. We were paying about 950 a month in summers (7 months) and 750...

There is a long way to go for us (DW and I) considering we've just out lived our 20's. Also, we live in India so our situation is different i.e. we don't have any social security or pension in our country. So we've have been working towards our ER for the last 6 years or so and the one thing...

Just out of curiosity..since how long has each one of you been planning your retirement i.e. how long ago did you decide on the date you want to retire??

I had missed your point on inflation. Google 'India economic outlook 2030'. This article projects inflation to be at 4% till year 2030. However, considering the current situation, it seems highly unlikely for India to bring inflation down to 4% and more so to sustain it at that level. So I have...

Thanks Martha. I'll keep my fingers crossed!! :)

Hi W2R, Eat loads of snow food and stay warm!!! It is 50 degrees F here....but that's cold going by our standards....I know you would rome around in your shorts in 50 degrees F!!!!

The only assumption in your calculations is that my expenditure remains constant at INR 61.5K per month. Our current average monthly expenses are at least 1.5 to 2.0X the average expenditure of an average family of 4 in India. Some of the easy to cut down expenses are Vacation, Shopping and...

Yes I am an Indian living and earning in India. I have been trying to plan my retirement for the last 6 months or so. Tumbled upon this forum while googling about early retirement.

Hi desihopeful! Wish you a very happy and successful new year too! You have made some very relevant points. I will try to address each point at a time. "1. Pune is a nice city. I am guessing you are in the IT field. Are you looking to retire in Pune?" We have not thought where do we want to...

While I agree with you in principle that diversification is key to de-risk ones portfolio, and also agree that it is foolish to say that real estate prices with never crash; here is my justification for weighing heavily on real estate. Google india economy outlook 2030 and McKinsey report on...

Mumbai is very different from Pune. Mumbai is fast where Pune is not (relatively speaking). In Pune, I commute by my car. My office is just 5 min drive from my place. For commuting to longer distances (anything more than 2 miles) one just cannot avoid traffic except for early mornings and late...

Currently inflation in India its about 10%. Food inflation is 15-16%. As per my understanding inflation in the long run would range between 5-6%. I might be wrong here and that's why I need help. I have taken 8% in my calculations. Should I be more conservative?

Sure. I'll be happy to answer your questions.

Hi Alan! I live in Pune.

Hi, this is my first post. I'm male, 30, married, no kids, wife 30, not working. I live in India and earn in India. I have three houses in India currently worth USD 200K with mortgage USD 100K. I plan to repay all three mortgages in full in next two years. Also plan to buy 2 more houses and pay...