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euphemism, noun: 1. the substitution of a mild, indirect, or vague expression for one thought to be offensive, harsh, or blunt. This one cracks me up...

Sales and profits are charted below for the 6th largest US company by market cap. The P/E is positive for a change (hurray!) at about 800 to 1, according to one stock page. The same page shows a price to book of 25 to 1. I'm glad AMZN is only about 1.5% of my S&P index fund. At some point...

I found this map today and find it fascinating. It will inspire me to read one of the books before taking a trip along a similar route. The Obsessively Detailed Map of American Literature's Most Epic Road Trips | Atlas Obscura

ER.org posters seem to like Uber as customers. http://www.early-retirement.org/forums/f27/uber-78016.html Any drivers out there? This article claims 25% of their drivers are over 55. Why Retirees May Be the Future of the Sharing Economy - CityLab

How Retirement Communities Like Del Webb Are Changing to Appeal to Baby Boomers - CityLab An interesting overview of what's selling these days for Del Webb corporation, the originator of retirement communities. Out: Golf courses and shuffleboard In: Close to the city, walking trails, room for...

What was the job that earned your very first contributions to Social Security and Medicare? We've had a thread on first jobs, which mostly identified neighborhood entrepreneurs working for cash. I found another that asked posters to describe their first "real" (self-supporting) job. I just...

I immediately thought of certain ER.org posters with a Navy engineering background when I saw the info on this model for sale. What are you going to do all day in retirement? "Win the Radio-controlled boat regatta. Every day. All of them." Vintage 1937 Remote Controlled Battleship Links...

Caution: wonk alert. I'm a non-lawyer who has a bucket list item to attend oral arguments at the Supreme Court. Tuesday, the Supremes heard oral arguments in a case of interest here. Plaintiff Tibble sued, claiming a breach of ERISA fiduciary duty by an employer who made investor-class shares...

A Houston furniture store is running a promotion. Buy $7000 or more in furniture and get a check refunding the purchase price if the price of WTI oil is $85 or more on December 31. How could I use an option to hedge the bet? https://www.galleryfurniture.com/85-and-its-free

https://rockhall.com/inductees/ No complaints from me, except for Ringo.

Michael Kitces has posted an interesting essay that examines some of the common phrases used in retirement planning. The concepts he discusses are frequent subjects here on E-R.org. He proposes the following substitutions: [-]probability of failure[/-] probability of adjustment [-]probability...

Price Waterhouse has been scanning state insurance boards' web sites for rate filings. The early, incomplete data shows an average increase of 8% coming. This article includes links to some state-specific data: ACA state exchanges If I recall correctly, the age-based premium factor will add...

A few years back there was a ER haiku thread. http://www.early-retirement.org/forums/f27/er-haiku-any-takers-47371.html Time to mix it up a bit... A refresher on the format: Five lines. The first line usually describes a person & place (or situation). Lines 1, 2 and 5 end with a rhyme...

I need some help in identifying an antique. I haven't seen the object in person, I just have these two photos. Three hours in to my internet search, I'm still stumped. I used the Google image tricks imoldernu describes here: http://www.early-retirement.org/forums/f27/whos-this-66338.html None...

Time for another music thread...but please no Huey Lewis suggestions:) I know there a few players here so maybe they will offer up some surprise picks. http://www.early-retirement.org/forums/f27/any-harmonica-players-here-34395.html The idea came from hearing the harp break at 1:27 when this...

Learning a new language in ER is an occasional topic, but generally it is mentioned in the context of another subject (expat living or international travel, for example). This article got me to thinking a bit about whether the time investment is something that I might consider when I ER...

This WSJ article discusses the financial and non-financial benefits of downsizing a single-family home. When Should Retirees Downsize Homes? - WSJ.com The story includes a link to a Boston College web site with a calculator that appears to do a good job of using a dozen user-provided numbers...

This month's Journal of Financial Planning has an academic article on a strategy to increase portfolio withdrawal rates by using a reverse mortgage line of credit as an alternative source of spending cash during bear markets. Increasing the Sustainable Withdrawal Rate Using the Standby Reverse...

The Nobel economics committee has awarded the 2013 prize to Robert Schiller, Eugene Fama and Lars Peter Hansen. Schiller and Fama's work is often cited here on ER.org, so we must be an insightful bunch. On the other hand, so far I've read three explanations of Hansen's work and I still don't...

The most confusing source of premium tax credit eligibility made simple, in one chart | The Incidental Economist This chart may be helpful for those of us thinking about semi-ER scenarios where one of the spouses has a low salary but has HI coverage through work.

I had not found a handy table of links to the various states' PPACA exchange rate data before stumbling across this one. State by State Guide to Health Insurance Exchange Rates It's not perfect, so if anyone knows of a better one please post a link. As of September 6, they have rate data and...

Nevada's department of insurance has a very simple and straightforward first release of exchange policy data. It has fields for determining the approved plans and their unsubsidized premiums based on age, geography, metal level, etc. It's one more set of data points. It's not their exchange...

Rhode Island, population just over 1 million, released their exchange rates last week. RI health marketplace releases plan rates, details - News Local Rhode Island - Boston.com I believe the level of detail in their charts is as comprehensive as any state has published so far. See "Individual...

One of my 2013 new year's resolutions was to become more disciplined and systematic with our asset allocation and fund re-balancing. I still have 4-1/2 months to make it. :blush: One obstacle has been my use of the My Money financial software for tracking my portfolio. When Microsoft stopped...

Unlocking the Two Mysteries behind SPIAs Using the household balance sheet approach (see separate thread), Wade has some "new" ideas on SPIA's.