Helpful ReplyHot!Joe Biden

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DarDys
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Re: Joe Biden 2021/01/21 09:14:24 (permalink)
Porktown
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A study came out a few years back. My generation ( Gen X ), to live comfortably will want to have right around 2.2 million at retirement. That's not living frugal, but comfortable.
 
BH

I have seen similar. A lot of variables in that figure. Fidelity and others have retirement calculators that you can plug in other variables like other income and expenses. Helpful tool in knowing if you need to start being more aggressive on your budgets. I tend to live frugally comfortable! Ha ha.


With approximately 5% of the US being millionaires, that means that more than 95% (since they are estimating $2 million +) can never retire.

The poster formally known as Duncsdad

Everything I say can be fully substantiated by my own opinion.
pensfan1
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Re: Joe Biden 2021/01/21 09:55:15 (permalink)
Both the wife and I are almost 50. Soon as this 3rd girls college tuition is covered, we are both gonna retire.
Porktown
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Re: Joe Biden 2021/01/21 09:57:20 (permalink)
Thanks. It is something that I have wanted to do for a long time. At least dreaming every time I go to the beach and weeks prior and after... I was more thinking NC before, which much more for “my wants”, rather than a good investment. I still would prefer a secluded house away from everything. But rental season is limited and hard to get to (expensive limited flights). Using for a week during peak time in NC and you are giving away half of your profits. For me, it has to be relatively cheap to get to and a long rental season, so I can do long weekends to work on and still warm and good fishing during the slowest rental times. Definitely not my dream home. My dream home is a bad investment for my financial plan though.
DeadGator401
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Re: Joe Biden 2021/01/21 10:30:08 (permalink)
pensfan1
Both the wife and I are almost 50. Soon as this 3rd girls college tuition is covered, we are both gonna retire.


**** you're old. Boomer.
Porktown
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Re: Joe Biden 2021/01/21 10:49:48 (permalink)
DarDys

With approximately 5% of the US being millionaires, that means that more than 95% (since they are estimating $2 million +) can never retire.

The Fidelity tool (I believe the site that I had used), calculates inflation (2040), assets, expenses, etc. The $2M number includes two people starting retirement at 65 and outliving average life expectancy a little too (does not include pensions or other retirement plans that aren’t 401k/IRA/investments). There is a spot for it in the tool of other monthly income, but assuming that is 0, it comes out close to $2M. They give a pretty wide number on a scale of “you better stop spending so much” in red, to “good idea to save” in yellow, to “you are on the right track” in green. It is basically a tool to give an idea of what you would need if running into “what if’s”. Also wide range of what is comfortable, $2M is in the basically, “don’t have to worry” range.

Most do not have both of a couple live past average and don’t live as “comfortably” as they define it. To some, they can live comfortably to them, retire at 40, on a fraction of that inflation adjusted number.
pensfan1
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Re: Joe Biden 2021/01/21 12:08:19 (permalink)
DeadGator401
pensfan1
Both the wife and I are almost 50. Soon as this 3rd girls college tuition is covered, we are both gonna retire.


**** you're old. Boomer.


Gen X all the way, Duud 🤣🤣🤣
r3g3
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Re: Joe Biden 2021/01/21 12:47:24 (permalink)
Sometimes wonder if those saving projections for retirement include SS and pension dollars or do they imply a certain amount of cash is needed to have the interest and investment supplant SS and pension incomes for those who dont have them.
Can be stressful to some  and misleading I think.
All too often they are pushing the reader to some investment firm who they say will help prepare you.
 
post edited by r3g3 - 2021/01/21 13:14:00
eyesandgillz
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Re: Joe Biden 2021/01/21 13:31:01 (permalink)
You can usually change up the variables to suit your needs.  I don't "plan" on needing my full projected monthly salary at retirement....yeah, it would be nice but, if I have minimal bills, no mortgage, minimal/no car payment, then I can get by on much less, and can put that in (75%, 80%, 85%, whatever).....That is one of the things you can play with. 
Also, most calculators I have seen don't necessarily consider SS, pensions or other investments by default but, you can add them.  I sure won't be counting on SS when I retire.  If I do get it, great, maybe it will fund my 35+ ft. cc offshore fishing boat but if not, I plan on having my arse covered elsewhere.  
 
Medical expenses and your overall health are your biggest unknowns....myself, with my family history, if I can make it to my early 70's, I'll be doing awesome.....
 
As long as my kids are taken care of, all's well.
 
 
LDD
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Re: Joe Biden 2021/01/21 13:53:44 (permalink)
Tragic rollbacks by Biden continue...there is chatter that he has removed the "Diet Coke button" that Donald installed!
https://time.com/4758059/donald-trump-coke-nuclear-button/
 
Trying to confirm
 
r3g3
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Re: Joe Biden 2021/01/21 15:29:26 (permalink)
Buttigieg- or however ya spell it- is already talking about a gas tax hike-25 cents a gallon.
 
Yipeee- here we gooooo
post edited by r3g3 - 2021/01/21 17:26:19
DeadGator401
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Re: Joe Biden 2021/01/21 16:47:59 (permalink)
Tesla's are lookin better and better eh?
eyesandgillz
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Re: Joe Biden 2021/01/21 19:18:06 (permalink)
How long them batteries going to last towing a boat?????
 
r3g3
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Re: Joe Biden 2021/01/21 19:23:51 (permalink)
Just about 300 miles from home to the Sr in Pulaski where I used to have a house for fishing  and x country skiing and just getting away from the burbs.
300 is just about how far ya could get with the electric cars - soo woulda had to find a recharge place on the trip both ways and likely again while there- How long does that take??
Got well over 300 on a tank of gas with no worries.
Two trips up a month for years woulda been a heck of a real pita with electric.
By the way how do they make the electricity =------
eyesandgillz
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Re: Joe Biden 2021/01/21 21:31:15 (permalink)
dontcha know, rainbows and unicorn farts make that electricity.........and it's clean as a whist!e....
 
And if you want to buy a tesla, hahahaha.......their manufacturing is horrible.....
MyWar
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Re: Joe Biden 2021/01/21 22:29:48 (permalink)
r3g3

By the way how do they make the electricity =------


You mean in addition to traditional fossil fuels?

Wind, solar and hydroelectric are the three biggest renewable energy sources in the US. Renewable energy accounted for 17% of the electricity generated in the US in 2019.

https://www.eia.gov/tools..s/faq.php?id=92&t=4

Mind you, that was under an administration that actively sought to sabotage any kind of green energy.

Some other countries have a much larger portion coming from renewables. For example, roughly 50% of Germany’s electricity comes from renewable sources, primarily onshore wind.

https://www.cleanenergywi...-renewable-electricity
DeadGator401
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Re: Joe Biden 2021/01/22 00:34:35 (permalink)
 
**** them future cars!
r3g3
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Re: Joe Biden 2021/01/22 07:30:32 (permalink)
War- cal has a lot of that alternative stuff and has rolling blackouts. Cant imagine going someplace in the car and having to wait to recharge with blackouts .
Reminds me of Obos coal initiative where he said he wasnt against coal but it had to meet discharge requirements that didnt exist- sooo he was against coal without admitting it.
The car thing- at this point -isnt ready for prime time on a national scale.
ICE NUT
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Re: Joe Biden 2021/01/22 11:27:28 (permalink)
Is Joe Biden the POTUS responsible for how the national guard were discarded to a cold parking garage to rest and sleep ? I mean he is the man now so he gets the blame right? Thanks guys but we don't want you in our fancy capitol penthouse any longer your not needed. The guard members said they felt betrayed. Ash Joe how he and obo helped the Bengazi folks out.
Porktown
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Re: Joe Biden 2021/01/22 11:43:59 (permalink)
ICE NUT
Is Joe Biden the POTUS responsible for how the national guard were discarded to a cold parking garage to rest and sleep ? I mean he is the man now so he gets the blame right? Thanks guys but we don't want you in our fancy capitol penthouse any longer your not needed. The guard members said they felt betrayed. Ash Joe how he and obo helped the Bengazi folks out.


When were those troops deployed and sleeping in a cold parking garage?  Not sure if a President Elect has any say...  Another example of a LOSER acting like a LOSER.  Thanks for pointing it out though.
r3g3
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Re: Joe Biden 2021/01/22 11:46:26 (permalink)
Got a kick out those responsible saying the Guard was on 12 hour shifts and only had to go to the garage for their 'break'.
Isnt it nice how they try and manage a pompus lie around reality- not to mention some likely believed it- after the 12 hr shift and maybe a meal and getting back and forth what the heck is the BREAK at the garage beyond the only time ya have off for sleep.
Annnnnd sleeping - or the cold concrete mattress attempt -was what the photos looked like the guard was trying to do in that garage.
 
Used them as props - like they really needed over 25,000 troops and thousands of cops in DC -then getum outa sight.
 
Oh yea- they wanna cut their budget too.
post edited by r3g3 - 2021/01/22 11:47:42
fishin coyote
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Re: Joe Biden 2021/01/22 11:51:17 (permalink)
From what I saw it was the capitol police that kicked them out to the parking garage. 

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Erie Mako
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Re: Joe Biden 2021/01/22 12:25:34 (permalink)
MyWar
r3g3

By the way how do they make the electricity =------


You mean in addition to traditional fossil fuels?

Wind, solar and hydroelectric are the three biggest renewable energy sources in the US. Renewable energy accounted for 17% of the electricity generated in the US in 2019.

https://www.eia.gov/tools..s/faq.php?id=92&t=4

Mind you, that was under an administration that actively sought to sabotage any kind of green energy.

Some other countries have a much larger portion coming from renewables. For example, roughly 50% of Germany’s electricity comes from renewable sources, primarily onshore wind.

https://www.cleanenergywi...-renewable-electricity



So, on this GREEN ENERGY topic - just how green and environmentally helpful is it?
 
The Silicon needs to be mined and processed to make the solar panels - diesel burned to do that...along with mining the aluminum or recycling old scrap to make the frames for the panels...
https://spectrum.ieee.org/green-tech/solar/solar-energy-isnt-always-as-green-as-you-think
 
The fiberglass, carbon fiber and resin needs to be manufactured and transported to create the wind turbines - hydrocarbons being burned to fulfill that process...
 
How about the yearly oil changes of up to 60 gallons of oil in the turbine gearboxes - where does that oil come from, where does the old oil go?
 
I would really like to see a real study on the "carbon footprint" of green energy!
 
post edited by Erie Mako - 2021/01/22 12:36:07

On the internet, EVERYONE is entitled to their opinion!
Porktown
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Re: Joe Biden 2021/01/22 14:04:51 (permalink) ☄ Helpfulby crappiefisher 2021/01/22 14:27:10
Mako - You can say the same thing of all the components that make up an internal combustion engine as well.  You'd have to find a study that showed all aspects.  I'm sure there are many out there, but written by who, to support what cause?
 
There has been a push for decades to electric and it is going to happen.  Not sure why anyone is getting their panties in bunches (not you) about it happening over night.  The process started decades ago and is going to keep going regardless of who is in office.
r3g3
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Re: Joe Biden 2021/01/22 14:23:17 (permalink)
Agree 
The thing is still in the baby stages of development IMHO
eyesandgillz
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Re: Joe Biden 2021/01/22 14:42:42 (permalink)
Hybrids are a much more realistic near term and even long term option.  Heck, I believe FCEV's have a better change of becoming mainstream before full EV's do.  
Fisherlady2
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Re: Joe Biden 2021/01/22 16:23:17 (permalink)
I agree that hybrid is much more viable and even realistic in the long run. I have no problem with *reducing* carbon footprints in a responsible manner, but am tired of hearing claims of *zero* carbon footprints as if they are better than everyone else somehow.
To me, much of the *zero footprint * is a hyped up buzz word/bandwagon thing that is used to push agendas and get tax money benefits (through credits and grants) where it may be more practical to push for better regulation and development of *cleaner energy* developments. But Green types dont seem interested in compromise or alternatives..
Porktown
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Re: Joe Biden 2021/01/22 16:57:27 (permalink)
I know after watching "The Social Dilemma", when I Google something, it often comes up with a different search result than others.  So, I am not sure how accurate this is.  When I search "how many more years of oil are left", it comes back with anything between 47 and 53 years.  With the 53 years being articles from a few years ago.  That is putting one heck of a burden on our kids/grandkids, if we don't do something to try to extend that figure.  
 
The whole idea of electric and hybrid cars is much more about this, than the emissions.  Cutting emissions is not a bad thing, but I doubt there would be a serious push like there is, if it weren't for the finite resource having a shortening lifespan.  I'm not about to give up my 19MPG on the highway truck and internal combustion boat motor, lawn tractor or stop flying places.  But, I have no issues at all for incentivizing purchases of hybrid and electric vehicles, in hopes of making them a bit more competitive in prices.  I doubt there is some major conspiracy that they aren't more fuel efficient from start to finish, comparing apples to apples and just doing it for tax money.  
 
The full electric car is about 100 years behind the internal combustion engine in mass production.  Major manufacturers can buy thousands of components for their engines at huge quantity discounts as well as decades to refine manufacturing costs.  Electric car companies don't have that luxury yet, so makes it hard to have costs low.  These companies are pioneers of their industry, obviously they aren't going to have some flaws.  The US automobile market is filled with flaws and had 100 years to address...  Even the US mainstream auto manufacturers are jumping on the electric bandwagon, so there might just be something there besides tax incentives.
 
No doubt there are some eco-Nazis out there and are annoying and most are hypocritical.  If they are tied into politics, it is a guarantee they are a hypocrite, which goes with any industry tied into politics.
r3g3
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Re: Joe Biden 2021/01/23 09:42:51 (permalink)
Gonna get real interesting now that men can play womens sports---
bigfoot
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Re: Joe Biden 2021/01/23 10:32:44 (permalink)
r3g3
Gonna get real interesting now that men can play womens sports---


Yea, it's also my understanding they can use the woman/girls locker room facilities. 
I think we definitely have the inmates running the insane asylum!
 

"Hope smiles from the threshold of the year to come, whispering, 'It will be happier.'
Alfred Lord Tennyson
 
r3g3
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Re: Joe Biden 2021/01/23 10:36:52 (permalink)
Do they have to go through the whole 'removal' surgeries or simply say thats how they 'identify 'today.
Will certainly change how 'womens' golf and other sports are played lol'
 Only a few days in and the idiocy is astounding- and thats not a Trump vs Biden opinion because Trump is gone and thats that --but one of shock at the liberal thought process in general that we are just beginning to live through.
post edited by r3g3 - 2021/01/23 10:38:05
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