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I think it has more to do with the fact that New Jersey is a "guaranteed issue" state (meaning that insurers can't refuse coverage based on pre-existing conditions.) The $200/month premium in Colorado may be for someone in perfect health that few applicants qualify for. Here's a good site that...

from the Wall Street Journal article http://online.wsj.com/public/article_print/SB113339471793210726-mp9cObjVb_ECNu2TROb_XoNdtug_20061130.html This time, Free Press tapped its various "big mouth" lists, sending bound manuscripts in late spring to a list of influential people. It then sent...

Interesting article on what author Lee Eisenburg is doing to sell his book "The Number" http://online.wsj.com/public/article_print/SB113339471793210726-mp9cObjVb_ECNu2TROb_XoNdtug_20061130.html A new book called "The Number,'' by Lee Eisenberg, is getting hype any author would kill for. A...

That's true. You can probably live as cheaply in Syracuse, NY as you can in Houston, TX -- as long as you keep the thermostat at 60 in the Winter. intercst

I'll bet 90% of the useful content of Lee Eisenberg's book 'The Number' is contained in this long article he wrote for the New Yorker magazine http://newyorkmetro.com/nymetro/news/bizfinance/finance/features/14865/index.html Deep Pockets draws four boxes, which a majority of New Yorkers...

The last time I looked at the TRP calculator they had a mutual fund expense ratio of about 1.00% hard wired into the program. That could explain a lot of the difference. Here's the assumptions they use. http://www3.troweprice.com/ric/RIC/ For each asset class, we deducted from their simulated...

Yes. I'm writing a review that I'll post on the REHP web site on Jan 1st. Two thumbs up! Your sculptures are very impressive. Will you eventually move on to life-size works? intercst

Thanks. I see my mistake. The 4% rule  they use is "4% of the year-end balance, each year" rather than the "4% of initial balance, adjusted for inflation" used by the Trinity study, Bengen, etc. intercst

I've been reading Bob Clyatt's book "Work Less, Live More" with great interest -- especially where he describes the work done by Keith Marbach on the "95% rule and the 4% SWR". One item that's unclear to me is the table on page 196 where he compares a "Standard" withdrawal with the "95% rule"...

http://lifestyle.msn.com/MindBodyandSoul/CareerandMoney/Articlelhj.aspx?cp-documentid=63333 Vicki Robin, 60, Back-to-basics guru For Robin, who coauthored 1992’s Your Money or Your Life, a bible of the back-to-basics movement, money is the great distraction from our limited time on the...

Why not put me on your ignore list? It's less effort than complaining about it. <LOL> inbtercst

The following individual has been recommended to me for comprehensive advice on retirement planning, asset allocation, and investment selection. http://www.photosbyu.com/Whatfolks7.htm Has anyone had any experience with this guy? intercst

Cheap green fees certainly help. I've been on an extended vacation in Connecticut since July. Green fees are about double Texas prices up here. intercst

I bought DELL and PFE in the early 1990's. Up until I retired in 1994, my portfolio had only beaten the S&P500 by about 1.5% per annum. It didn't really take off until after I retired. intercst

I'm 49 now and have been retired for 11 years. My retirement portfolio has grown five-fold over that time while my annual living expenses have increased a bit more than 50%. My annual withdrawal rate is about 1.5% of assets today. Not that I would have taken it, but I'm glad you weren't around...

Dr. William Bernstein (author of 'Four Pillars') "I've always believed that the best investors are somewhat psychopathic and antisocial, for much the same reason; a belief that everyone else is wrong but you is an excellent antidote to herd behavior."...

I wonder what percentage of the population has a $1 million health crisis. It's probably more common than winning the lottery, but is it even a 1/10th of 1%? intercst

Not really, just the ability to learn from history. My assumption is that the next 50 years won't be any worse than anything we've seen in the last 130 years (e.g. Crash of 1929 and the Great Depresson.) If you think the future is worse, then keep working or adopt a lower SWR. intercst

Did the research that showed 4% would survive even the worst of times for 30 years. For a sixty-year pay out period, it's maybe 80-85% safe, but I only have maybe a 2% to 5% chance of living to age 100. The joint probability of me living to age 100 and having my portfolio survive a 4% withdrawal...

I guess I misread the question. I thought the original question was a "pension and employer provided health benefits". Not whether you lack health insurance. I have full medical and dental insurance that I pay for myself (about $6,000/yr for 2005). intercst

I retired in 1994 at age 38 -- no pension or health benefits. I'm assuming Social Security is zero, too. intercst

The health care stocks I hold have grown at an annualized 18% per annum since 1994. The dividends I collect from them today are more than twice my health insurance premium. intercst

My health insurance premiums have increased from $1,750/year in 1994 to about $6,000/year in 2005. I have a comprehensive group policy that covers medical and dental through a professional engineering society. intercst

http://www.forbes.com/lifestyle/health/feeds/hscout/2005/09/14/hscout527948.html WEDNESDAY, Sept. 14 (HealthDay News) -- The rate of growth of health insurance premiums declined for the second year in a row, slowing to 9.2 percent in 2005. But premiums are still significantly outpacing wages...

The REHP calculator also uses actual inflation as measured by the CPI-U What does Vanguard use as their fixed income security? The REHP calculator uses 3-month commercial paper (equivalent to a money market fund) If Vanguard is using something with a longer maturity, it might explain the...