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Ugh. 95 95. Love the safety. Love the schools. Love the stable traditional family units. (Ironically, that is a common trait in many super-zips, but i'm sure it's just a coincidence) Hate the NorthFaceBMWAcuraCoachLuisVutton snobbery but decided i'm willing to pay that price in return...

For once I'm not being too conservative I'm 38. Been planning for a 10% cut in SS benefits, and SS benefits being fully taxable. I also plan on all the retirement age brackets being bumped 2-3 years. I see many here figuring on 20%:( I also use a 10% cut when figuring out Survivor's...

What i the quality/acumen of the advisors Vanguard provides?

Still a skeptic The logic is 100% correct. For now America is THEE place for capital, and will continue to be. But, is it possible that between America, UK, Japan, China, and the traditional global powerbrokers and money-people.....they might engineer a collapse of the system, and start a...

Ok I cant resist I'm not saying America is perfect or always right. We aren't. And we need to do somethings better and with a better tone. BUT, it's others using a statement by one person to say "America Personified". That's sort of generalizing, or even prejudice. But here's a humble...

1.)An economic meltdown not seen in a generation or 2. 2.)A possible death sentence. Yep, I plead guilty to panicking in both situations and I fully agree that getting all the facts before acting is the way to go. Luckily during the meltdown I was not a big investor as I didn't trust or...

I know what you mean. I was one of the morons who sold stock during the stock-plunge and today I grimace at how much better off I'd be if I had jsut held on, and even bought more. I'm glad to hear you are optimistic about Europe. Long term, so am I but short term, I wonder how much they can...

Wasn't hinting anything. Just stating my reasons as to why, despite the problems, I think the USA will be okay in the end.

TinFoil It all depends on somebody's definition of tinfoil. Ok, the guy living in a dug-in-hole in some mountain, stocked up on bullets and armageddon literature, correlating every little world event to armageddon I would label as tinfoil. But in 2005, 2006, or 2007, if people were taking to...

Incomplete List John Lennon "Imagine" Brightman/Vocelli "Por Ti Volare" Bobby Darin "If I were a Carpenter" Beatles "Hide your love away" Heart "These Dreams" Some good "chill" songs for me.

Thanks RN Please stay on the soapbox. Hoping to charm as many replies out of you as i can RN :) All I can do now is hope I'm not too late. I ignored high BP for years, so who knows kidneys might be gone. Hoping to heck this is a warning sign that I can correct...or at very least slow the...

Thanks RN Thanks for the post RN, really appreciate it. To answer your question, in my most contrite and sheepish way: I've been overweight forever. Overall not a healthy person. No smoke and drink, but no exercise and bad food all the time. Over the past 5-6 years, when I was at a doc's...

Hi PB Yeah I remember that recent meltdown well. I sold all stocks on the way down. All of it. But for a sick joke, I kept "1" share of each company in my e-trade account. I remember Buffet saying "be greedy, buy buy buy" but at that time, I had to concentrate ALL cash towards saving my...

Hi BestWife Thank you BestWife....and yes, epiphany indeed. I had decided that even if the doc gives me good news, I'm going to operate differently. DW and I are spending a few hours per week on finances...right now just getting her familiar with where the money is, how to read bank...

Thanks Pb Hi Pb....... Thanks for the analysis. As far as fears and paranoia: I gotta plead 100% guilty to that. I'm planning for a worst-case, deadly scenario, in a world full of unknowns, world where there's no post WW2 booms and 50 cent gas and sole superpower status with an absolute...

Asteroids I hear what you are saying but respectfully, we just went thru a rather interesting period of time. A time when things we take for granted....our currency, our banking system, gold at the Federal Reserve, etc are things that most of us can't quite vouch for. GM will never go...

The other scary thing is that each person gets $500k worth of stocks/bonds per bank insured by the Feds. So if I put the whole pot at Vanguard, only $500k out of 4mm is insured. Does this concern any of the savers/investors on this board?

huston55 Hi Huston (and everyone).... I've been looking at Wellington and Wellsley and it looks so tempting, even easy. Historical returns are 8% so heck, what if I just forecast 4% returns? I park the money there, and Wife has to live on $160k per year....very strong right? My consternation...

Both seem like quality companies As sort of a layman, trying to learn more I'd ask: Why not just spread the money out and use both Fidelity and Vanguard?

Thanks RN (Apologees folks, I know this is an investment thread) WC-RN.....also, my "micro alb/creat ratio" is high. Ever heard of that? My Nephro said it certainly could be kidney disease, but he said sometimes it's just a function of high blood pressure, and if bp is brought in line, then...

Medical/personal DFW Thanks DFW.... By Nov 11th I should have the "real" prognosis as that's when blood results will be in, and looked at by specialist. Lifestyle: Food used to be my life. For the last 16 days: *25-30 mins daily walking. *Have only drank water, period. *Sodium at 1500...

Thanks, keep it coming Term Life ******** The Life Insurance company reports to the "Medical Insurance Bureau"......so when I apply for insurance now, the underwriter sees that, and it's automative turn-down...even for "no exam needed" policy. Once I'm examined by a doc, I'm told company X...

Thank you all, please keep it coming I've read each response twice thus far and instead of posting each time to thank you, I thought it was okay to just say thank you very much everybody. Please keep it coming. To address some of the points you all made: 1% to advisor ************* You make...

I'm 38. Wife, 2 kids. Overall....I've had a mixture of good luck and also doing things right in that business life has been a success, and ditto family life. My sin: I've neglected health and planning. NOT confirmed but reason to believe I have kidney disease. Oh, and my life insurance is...