I want to go on record against banning anyone that has not broken the rules of the board. Further, I agree that it would be very difficult to do so anyway. If you don't like the posts (or the poster) don't read them. Why keep stirring the pot? I think the "ignore user" feature exists in all of us.
I have nothing against *****, or TH or anyone else on this board, and I think that everyone should be allowed to voice their opinions. I also don't know a whole lot about any postings in the past, but, from just reading the posts in recent weeks, TH is coming off as the aggressor . This is just my personal observation. I don't know the history between TH and ***** (and DON'T want too really!!!) and it could be very well like in football, when the person that starts the fight isn't the one hit with the penalty, but this is my perception.
As for SWRs, I don't exactly buy into this either. I think any SWR calculator is flawed in that it can't predict the future (I wish it could!). I think it is a good guideline and the best we have available to us (how can it factor in health care costs when no one knows how that is going to play out, or the devaluation of the dollar, etc.), but the world is changing and I will adabt and adjust my spending accordingly, and if someday I have to go back to w*** or move to a cheaper country then so be it, but I sure am enjoying myself today.
I primarily read this board to see the "lifestyles in retirement" as I want to see what people are doing to enjoy life. I wish there were more posts in this category.
Of course, while I have been typing this, my wife has been on the internet ordering stuff, so I may need to recalculate things now :