The Glade 4.0

You are not familiar with the elderly are you Rynar....

Understandable, since the popoulation you see are able to walk into your office and coherently discuss their finances

Having money does not mean you will be well taken care of when you are old. There are cases of millionaires who are not taken care of and they had the money that supposedly should have assured this.

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Dream as if you'll live forever...
...Live as if you'll die tomorrow

Vivere Senza Rimpianti

We are talking about 2 different things too.

I don't consider 65 elderly...I'm talking about 80's. In healthcare we have different terms for age groups, due to the fact people are living into their 90's.

Of course, at 65 if you are fully competent you deserve to live independently. At 80? Sometimes you are able to...does that mean you still want to? Probably...but it might not be safe.

It would be a perfect world if we all planned for retirement in our 20' and 30's. But should parents not help their kids just because they are planning for their retirement? Some do, some dont, personal parenting decision made by everyone. Doesnt make them wrong.

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Dream as if you'll live forever...
...Live as if you'll die tomorrow

Vivere Senza Rimpianti

I'm sure there are fields in which he possesses more expertise than you (or me or anyone else here); the issue here isn't expertise. You're being a dick; really, that's pretty much the entire issue here.

To some degree, you're operating from financial assumptions that are no longer true; or, more as is more likely the case and more damning, you're operating from financial assumptions based in Keynesian thought. I'm sure you do just fine as a financial adviser; I'm sure you're clients are happy with whatever profits or security they amass within the current economic system. And, honestly, that really doesn't matter; I think you know this.

To answer your question, you really don't want to know how I'm calculating inflation or what metrics I'm using; they aren't conducive to your continued employment with your continued employer.

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I'm quite familiar with them. I have two grandmothers, both in their late 80's. One has been in assisted living for the past 9 years after suffering a debilitating series of strokes in her late 70's and moving past the stage of life where she was able to continue living in her own home, which the planning her and my grandfather had done allowed her to modify. Without a plan in place, my grandmother, who now suffers from extreme dementia, would be in a state run facility. Her children have families of their own, full time jobs, businesses to run, children in college, and live all over the country (two in Europe, actually); and are unable to provide the type of care she requires. Additionally, one of the most common themes amongst my clients who are currently caring for their elderly parents is that they "wish to put a plan in place so they they never do to their children what their parents have done to them."

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Ezekiel 23:19-20 

Rynar, at what age did you start living on your own? at what age do you plan to kick your own kids to the curb? I'm guessing 18 or thereabouts. Why that age? Why not 17 or 19? Why not 25? Hell why not 14? The answer, of course, is that contemporary American culture broadly considers 18 to be the age of adulthood. However, the middle and upper classes tend to view the transition into independence as more of a sliding scale than a bright line. At the other end of the age spectrum, look at other cultures and even American culture prior to the New Deal, and you'll find that old folks being supported by their children and grandchildren is the norm, not the shameful exception you seem to think it is.

In short, the values and supposed "financial realities" you're espousing are contingent on class and culture; they're not the universal truths you seem to think they are. Also, it's worth noting that the classes and cultures that have more of a multi-generational view of the family economic unit tend to be more successful over time. Upward mobility is greater among the middle and upper-middle classes than among the working class (which adheres more to the "stand on your own two feet" mentality); it's greater among immigrant families (who generally place high value on extended family networks) than among native-born Americans; and so on. You're perfectly entitled to your own values on this, of course, but the fact is, your approach isn't the most likely to lead to long-term success from one generation to the next.

If pointing out hard truths is being a dick, I guess I'm a dick. Getting butt-hurt over facts doesn't somehow mitigate reality.


The metrics you're using only matter when the whole thing collapses. At which point, almost all plans go to ****. It's tough to make a living selling people their impending doom, so I don't try to do that.

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Ezekiel 23:19-20 

Probably so, but I wouldn't treat you like an idiot.

See, I live this right now when it comes to dealing with people. My job, I work with two other guys who are at least 15 years my senior. They have probably forgotten more computer stuff than I currently know. Then there are our customers. A good portion who barely know how to turn a computer on. You know who they call? Me. Why? Because I don't lord over them the fact that when it comes to computer and network issues, I know more than they do. I help, I have a good attitude, I try to impart some knowledge without making them feel llike an idiot.


Like Khross said, you're being a dick. In this thread and the cat and paretning thread. Has nothing do with these so called "hard truths" you think we should all recognize. You're being an *******.

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"It is true that democracy undermines freedom when voters believe they can live off of others' productivity, when they modify the commandment: 'Thou shalt not steal, except by majority vote.' The politics of plunder is no doubt destructive of both morality and the division of labor."

I do my work based off the expectations of the individual I am doing the work for. Baby-boomers, generally, expect the same things in retirement that they saw their parents have, only they need to plan for having those things about 10 years longer than their parents did. The number one fear of almost all people approaching retirement age is that they will outlive their assets.

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Ezekiel 23:19-20 

You can point out hard truths all you want; no one is getting butt-hurt over realities. People are annoyed by your tone and behavior.

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Yep.

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"It is true that democracy undermines freedom when voters believe they can live off of others' productivity, when they modify the commandment: 'Thou shalt not steal, except by majority vote.' The politics of plunder is no doubt destructive of both morality and the division of labor."

That's not a fear; they're going to outlive their assets.

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1+

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Dream as if you'll live forever...
...Live as if you'll die tomorrow

Vivere Senza Rimpianti

No, I'm telling you something that is objectively true; I'm not soliciting you to be my clients. In this thread, we're all singing the alphabet, and some people are insisting the letter immediately following "A" is the letter "R". Insisting that "B" is, in fact, the next letter does not make me an *******. As for the cat thread? Parenting is subjective, and I am only giving my opinions, not facts.

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Ezekiel 23:19-20 

That's fine. You can't see you are being a dick. No problem.

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"It is true that democracy undermines freedom when voters believe they can live off of others' productivity, when they modify the commandment: 'Thou shalt not steal, except by majority vote.' The politics of plunder is no doubt destructive of both morality and the division of labor."

This thread is no longer worth my time or energy. Hold whatever opinions you want. They don't affect me.

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Ezekiel 23:19-20 

affect

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Punk. You beat me to it, lol!

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"Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own." Jesus of Nazareth

LOL. Even your departure is condesending.

Make an appointment with a proctologist to see if he can remove that stick that seems to have been planted up your ***.

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"It is true that democracy undermines freedom when voters believe they can live off of others' productivity, when they modify the commandment: 'Thou shalt not steal, except by majority vote.' The politics of plunder is no doubt destructive of both morality and the division of labor."

Nitefox:

*Condescending

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This must be Thursday. I could never get the hang of Thursdays.

Stop showing off how muched more smarter than you be than me!

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"It is true that democracy undermines freedom when voters believe they can live off of others' productivity, when they modify the commandment: 'Thou shalt not steal, except by majority vote.' The politics of plunder is no doubt destructive of both morality and the division of labor."

I think people conflate "living with" to "mooching off of".

Living with your parents can be a mutually beneficial financial decision, for the simple reason that the cost of living, per capita, goes down with more people. So if you're paying your fare share of the mortgage and utilities, are sharing the cost of food, and are supporting your own insurance.... It's beneficial all around.

Your parents pay less for their home with only a moderate reduction in usability, and you pay less than you likely would were you living on your own somewhere.

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Darksiege: You are not a god damned vulcan homie.

I would never put my grandmother in a nursing home, state run or private pay. It's shoving your responsibility off as her family onto someone that doesn't give a crap about your loved one.


This is a dick statement...I don't know the full story about your family.

But, hey...it's just my opinion and not fact, right?

It is not unreasonable for parents to expect their children to help them out when they are aged. The parents already gave their children far more than they can ever give back.

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Well Ali Baba had them forty thieves, Scheherezade had a thousand tales
But master you in luck 'cause up your sleeves you got a brand of magic never fails...
...Mister Aladdin, sir, What will your pleasure be?
Let me take your order, Jot it down -You ain't never had a friend like me
█ ♣ █

Really? I thought they were your priceless children. This sounds to me like they started giving back the moment you began brainstorming names for them.

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Buckle your pants or they might fall down.

According to my mom, the reason she had me was so I could help her pay her bills online, and buy things online, and reset her clocks twice a year.

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