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UCGal
ParticipantAN…
Do you plan to drive when you retire?I assume you’d use your current equity to pay for a place in Del Mar or Solana Beach.
Cars wear out…even when lightly used. You still need to budget for gas, insurance, tires, etc… if you own a car.
Brian…
We’re looking at Italy as an option… but the less likely one. Might do 6 months here, 6 months there… but we’d have to factor travel and rentals into our budget. Wouldn’t want to buy there since we’d want to try different places…ParticipantAN…
Do you plan to drive when you retire?I assume you’d use your current equity to pay for a place in Del Mar or Solana Beach.
Cars wear out…even when lightly used. You still need to budget for gas, insurance, tires, etc… if you own a car.
Brian…
We’re looking at Italy as an option… but the less likely one. Might do 6 months here, 6 months there… but we’d have to factor travel and rentals into our budget. Wouldn’t want to buy there since we’d want to try different places…ParticipantAgree with cvmom. There are some good retirement calculators out there… some are pretty in depth about *all* sources of income (including possible rental income, pensions, etc.) Others are very superficial.
I obsess about retirement. Seriously obsess. Constantly running “what if” calculations. My favorite tool is one built into quicken. But you have to buy quicken to get it.
Here are some calculators and sites I like:
decent overview article:
http://money.cnn.com/2002/12/16/pf/expert/ask_expert/index.htmSS estimator:
http://www.socialsecurity.gov/OACT/anypia/index.htmlretirement calculators:
http://cgi.money.cnn.com/tools/retirementplanner/retirementplanner.jsphttps://www3.troweprice.com/ric/ricweb/public/ric.do
http://www.schwab.com/public/schwab/planning/retirement/retirement_savings_calculator
https://personal.vanguard.com/us/insights/retirement/saving/set-retirement-goals
https://personal.vanguard.com/us/insights/retirement/retirement-tools
(calculator is pretty lame. no variables)Also to consider… you talk about your net worth, all in. I assume that includes equity in your home. Do you plan to sell the home at retirement, or still live there? Some people plan on downsizing, or selling and renting. Others plan on retiring in place. You need to adjust accordingly. Personally, I plan on retiring where I am, so I do *not* include my home equity in my retirement calculations. I need the shelter more than the equity.
ParticipantAgree with cvmom. There are some good retirement calculators out there… some are pretty in depth about *all* sources of income (including possible rental income, pensions, etc.) Others are very superficial.
I obsess about retirement. Seriously obsess. Constantly running “what if” calculations. My favorite tool is one built into quicken. But you have to buy quicken to get it.
Here are some calculators and sites I like:
decent overview article:
http://money.cnn.com/2002/12/16/pf/expert/ask_expert/index.htmSS estimator:
http://www.socialsecurity.gov/OACT/anypia/index.htmlretirement calculators:
http://cgi.money.cnn.com/tools/retirementplanner/retirementplanner.jsphttps://www3.troweprice.com/ric/ricweb/public/ric.do
http://www.schwab.com/public/schwab/planning/retirement/retirement_savings_calculator
https://personal.vanguard.com/us/insights/retirement/saving/set-retirement-goals
https://personal.vanguard.com/us/insights/retirement/retirement-tools
(calculator is pretty lame. no variables)Also to consider… you talk about your net worth, all in. I assume that includes equity in your home. Do you plan to sell the home at retirement, or still live there? Some people plan on downsizing, or selling and renting. Others plan on retiring in place. You need to adjust accordingly. Personally, I plan on retiring where I am, so I do *not* include my home equity in my retirement calculations. I need the shelter more than the equity.
ParticipantAgree with cvmom. There are some good retirement calculators out there… some are pretty in depth about *all* sources of income (including possible rental income, pensions, etc.) Others are very superficial.
I obsess about retirement. Seriously obsess. Constantly running “what if” calculations. My favorite tool is one built into quicken. But you have to buy quicken to get it.
Here are some calculators and sites I like:
decent overview article:
http://money.cnn.com/2002/12/16/pf/expert/ask_expert/index.htmSS estimator:
http://www.socialsecurity.gov/OACT/anypia/index.htmlretirement calculators:
http://cgi.money.cnn.com/tools/retirementplanner/retirementplanner.jsphttps://www3.troweprice.com/ric/ricweb/public/ric.do
http://www.schwab.com/public/schwab/planning/retirement/retirement_savings_calculator
https://personal.vanguard.com/us/insights/retirement/saving/set-retirement-goals
https://personal.vanguard.com/us/insights/retirement/retirement-tools
(calculator is pretty lame. no variables)Also to consider… you talk about your net worth, all in. I assume that includes equity in your home. Do you plan to sell the home at retirement, or still live there? Some people plan on downsizing, or selling and renting. Others plan on retiring in place. You need to adjust accordingly. Personally, I plan on retiring where I am, so I do *not* include my home equity in my retirement calculations. I need the shelter more than the equity.
ParticipantAgree with cvmom. There are some good retirement calculators out there… some are pretty in depth about *all* sources of income (including possible rental income, pensions, etc.) Others are very superficial.
I obsess about retirement. Seriously obsess. Constantly running “what if” calculations. My favorite tool is one built into quicken. But you have to buy quicken to get it.
Here are some calculators and sites I like:
decent overview article:
http://money.cnn.com/2002/12/16/pf/expert/ask_expert/index.htmSS estimator:
http://www.socialsecurity.gov/OACT/anypia/index.htmlretirement calculators:
http://cgi.money.cnn.com/tools/retirementplanner/retirementplanner.jsphttps://www3.troweprice.com/ric/ricweb/public/ric.do
http://www.schwab.com/public/schwab/planning/retirement/retirement_savings_calculator
https://personal.vanguard.com/us/insights/retirement/saving/set-retirement-goals
https://personal.vanguard.com/us/insights/retirement/retirement-tools
(calculator is pretty lame. no variables)Also to consider… you talk about your net worth, all in. I assume that includes equity in your home. Do you plan to sell the home at retirement, or still live there? Some people plan on downsizing, or selling and renting. Others plan on retiring in place. You need to adjust accordingly. Personally, I plan on retiring where I am, so I do *not* include my home equity in my retirement calculations. I need the shelter more than the equity.
ParticipantAgree with cvmom. There are some good retirement calculators out there… some are pretty in depth about *all* sources of income (including possible rental income, pensions, etc.) Others are very superficial.
I obsess about retirement. Seriously obsess. Constantly running “what if” calculations. My favorite tool is one built into quicken. But you have to buy quicken to get it.
Here are some calculators and sites I like:
decent overview article:
http://money.cnn.com/2002/12/16/pf/expert/ask_expert/index.htmSS estimator:
http://www.socialsecurity.gov/OACT/anypia/index.htmlretirement calculators:
http://cgi.money.cnn.com/tools/retirementplanner/retirementplanner.jsphttps://www3.troweprice.com/ric/ricweb/public/ric.do
http://www.schwab.com/public/schwab/planning/retirement/retirement_savings_calculator
https://personal.vanguard.com/us/insights/retirement/saving/set-retirement-goals
https://personal.vanguard.com/us/insights/retirement/retirement-tools
(calculator is pretty lame. no variables)Also to consider… you talk about your net worth, all in. I assume that includes equity in your home. Do you plan to sell the home at retirement, or still live there? Some people plan on downsizing, or selling and renting. Others plan on retiring in place. You need to adjust accordingly. Personally, I plan on retiring where I am, so I do *not* include my home equity in my retirement calculations. I need the shelter more than the equity.
ParticipantI would never buy directly under a power line for strictly anecdotal reasons. Your mileage may vary.
The following is NOT scientific… the sample size is too small. It is a family of 5.
The house I spent my first 4.5 years in was at 3996 Canning Street, in Clairemont.
http://maps.google.com/maps?q=3996+canning+ave,+san+diego,+ca+92111&hl=en&ll=32.813536,-117.183791&spn=0.005654,0.009302&sll=32.813411,-117.183786&sspn=0.00403,0.004651&t=h&z=17&layer=c&cbll=32.813415,-117.183788&panoid=l3-tgD4mN7dHHc___R45hg&cbp=12,258.46,,0,4.46It backed up to a power line.
My brother lived there 6.5 years. My sister and parents, 7 years.
No one got Leukemia.
However…
My mother was the first to go – got ovarian cancer and died in her mid 60’s. Sad but not suspicious.
My brother got Melanoma in college. Again not suspicious… Skin cancer, even this deadly form, is typically associated with too much sun. We grew up in CA before sunscreen was widely used. It was surgically removed, but he had a lymph node issue in his 30’s that they suspect was metastatic. Again, surgery solved the problem. At age 48, out of the blue, he got a very aggressive, very rare, neuroendicrine carcinoma. (Not to be confused with it’s more common, less aggressive cousin, neuroendicrine carcinoid… this one is rare, and kills quickly). Healthy in July (rode his bike in “Ride the Rockies” in June and “Tour de Wyoming” in July. Multi day rides)… in the hospital in August, dead before Christmas. It is VERY unusual to have two separate, unrelated malignancies.
My father had prostate cancer in his mid 50’s. Again, not unusual. Most men, if they live long enough, will get prostate cancer… if nothing else gets them first. It was dealt with and he was “cured”. Then he got multiple myeloma – a type of blood cancer. He and my brother both learned they had their second cancers within one week of each other in late August 2007. My dad was dead 2 months later. They died 2 months apart. (Fall 2007 sucked for our family).
Did I mention that multiple malignancies are rare?
Family of five that lived under power lines. 3 are dead. 5 cancers between the 3. My sister and I get various screening tests frequently and I paid (not covered by insurance) to make sure I don’t have the BRCA gene.
I can’t say with certainty that the power line caused my family to be a cancer cluster. But I can’t say for certainty they didn’t play a factor.
I’ve heard the theory about cells breaking down, triggering leukemia. I’ve also heard a theory that the dust (normal dust) gets charged – and you breathe it in… so perhaps it’s charged dust that is the problem. Perhaps there’s no issue at all. I can’t say.
All of this is pure anectdote. Might be entirely coincidence. But look at the link I posted – look at the power lines. Even if the odds are small… do you want to risk it?
ParticipantI would never buy directly under a power line for strictly anecdotal reasons. Your mileage may vary.
The following is NOT scientific… the sample size is too small. It is a family of 5.
The house I spent my first 4.5 years in was at 3996 Canning Street, in Clairemont.
http://maps.google.com/maps?q=3996+canning+ave,+san+diego,+ca+92111&hl=en&ll=32.813536,-117.183791&spn=0.005654,0.009302&sll=32.813411,-117.183786&sspn=0.00403,0.004651&t=h&z=17&layer=c&cbll=32.813415,-117.183788&panoid=l3-tgD4mN7dHHc___R45hg&cbp=12,258.46,,0,4.46It backed up to a power line.
My brother lived there 6.5 years. My sister and parents, 7 years.
No one got Leukemia.
However…
My mother was the first to go – got ovarian cancer and died in her mid 60’s. Sad but not suspicious.
My brother got Melanoma in college. Again not suspicious… Skin cancer, even this deadly form, is typically associated with too much sun. We grew up in CA before sunscreen was widely used. It was surgically removed, but he had a lymph node issue in his 30’s that they suspect was metastatic. Again, surgery solved the problem. At age 48, out of the blue, he got a very aggressive, very rare, neuroendicrine carcinoma. (Not to be confused with it’s more common, less aggressive cousin, neuroendicrine carcinoid… this one is rare, and kills quickly). Healthy in July (rode his bike in “Ride the Rockies” in June and “Tour de Wyoming” in July. Multi day rides)… in the hospital in August, dead before Christmas. It is VERY unusual to have two separate, unrelated malignancies.
My father had prostate cancer in his mid 50’s. Again, not unusual. Most men, if they live long enough, will get prostate cancer… if nothing else gets them first. It was dealt with and he was “cured”. Then he got multiple myeloma – a type of blood cancer. He and my brother both learned they had their second cancers within one week of each other in late August 2007. My dad was dead 2 months later. They died 2 months apart. (Fall 2007 sucked for our family).
Did I mention that multiple malignancies are rare?
Family of five that lived under power lines. 3 are dead. 5 cancers between the 3. My sister and I get various screening tests frequently and I paid (not covered by insurance) to make sure I don’t have the BRCA gene.
I can’t say with certainty that the power line caused my family to be a cancer cluster. But I can’t say for certainty they didn’t play a factor.
I’ve heard the theory about cells breaking down, triggering leukemia. I’ve also heard a theory that the dust (normal dust) gets charged – and you breathe it in… so perhaps it’s charged dust that is the problem. Perhaps there’s no issue at all. I can’t say.
All of this is pure anectdote. Might be entirely coincidence. But look at the link I posted – look at the power lines. Even if the odds are small… do you want to risk it?
ParticipantI would never buy directly under a power line for strictly anecdotal reasons. Your mileage may vary.
The following is NOT scientific… the sample size is too small. It is a family of 5.
The house I spent my first 4.5 years in was at 3996 Canning Street, in Clairemont.
http://maps.google.com/maps?q=3996+canning+ave,+san+diego,+ca+92111&hl=en&ll=32.813536,-117.183791&spn=0.005654,0.009302&sll=32.813411,-117.183786&sspn=0.00403,0.004651&t=h&z=17&layer=c&cbll=32.813415,-117.183788&panoid=l3-tgD4mN7dHHc___R45hg&cbp=12,258.46,,0,4.46It backed up to a power line.
My brother lived there 6.5 years. My sister and parents, 7 years.
No one got Leukemia.
However…
My mother was the first to go – got ovarian cancer and died in her mid 60’s. Sad but not suspicious.
My brother got Melanoma in college. Again not suspicious… Skin cancer, even this deadly form, is typically associated with too much sun. We grew up in CA before sunscreen was widely used. It was surgically removed, but he had a lymph node issue in his 30’s that they suspect was metastatic. Again, surgery solved the problem. At age 48, out of the blue, he got a very aggressive, very rare, neuroendicrine carcinoma. (Not to be confused with it’s more common, less aggressive cousin, neuroendicrine carcinoid… this one is rare, and kills quickly). Healthy in July (rode his bike in “Ride the Rockies” in June and “Tour de Wyoming” in July. Multi day rides)… in the hospital in August, dead before Christmas. It is VERY unusual to have two separate, unrelated malignancies.
My father had prostate cancer in his mid 50’s. Again, not unusual. Most men, if they live long enough, will get prostate cancer… if nothing else gets them first. It was dealt with and he was “cured”. Then he got multiple myeloma – a type of blood cancer. He and my brother both learned they had their second cancers within one week of each other in late August 2007. My dad was dead 2 months later. They died 2 months apart. (Fall 2007 sucked for our family).
Did I mention that multiple malignancies are rare?
Family of five that lived under power lines. 3 are dead. 5 cancers between the 3. My sister and I get various screening tests frequently and I paid (not covered by insurance) to make sure I don’t have the BRCA gene.
I can’t say with certainty that the power line caused my family to be a cancer cluster. But I can’t say for certainty they didn’t play a factor.
I’ve heard the theory about cells breaking down, triggering leukemia. I’ve also heard a theory that the dust (normal dust) gets charged – and you breathe it in… so perhaps it’s charged dust that is the problem. Perhaps there’s no issue at all. I can’t say.
All of this is pure anectdote. Might be entirely coincidence. But look at the link I posted – look at the power lines. Even if the odds are small… do you want to risk it?
ParticipantI would never buy directly under a power line for strictly anecdotal reasons. Your mileage may vary.
The following is NOT scientific… the sample size is too small. It is a family of 5.
The house I spent my first 4.5 years in was at 3996 Canning Street, in Clairemont.
http://maps.google.com/maps?q=3996+canning+ave,+san+diego,+ca+92111&hl=en&ll=32.813536,-117.183791&spn=0.005654,0.009302&sll=32.813411,-117.183786&sspn=0.00403,0.004651&t=h&z=17&layer=c&cbll=32.813415,-117.183788&panoid=l3-tgD4mN7dHHc___R45hg&cbp=12,258.46,,0,4.46It backed up to a power line.
My brother lived there 6.5 years. My sister and parents, 7 years.
No one got Leukemia.
However…
My mother was the first to go – got ovarian cancer and died in her mid 60’s. Sad but not suspicious.
My brother got Melanoma in college. Again not suspicious… Skin cancer, even this deadly form, is typically associated with too much sun. We grew up in CA before sunscreen was widely used. It was surgically removed, but he had a lymph node issue in his 30’s that they suspect was metastatic. Again, surgery solved the problem. At age 48, out of the blue, he got a very aggressive, very rare, neuroendicrine carcinoma. (Not to be confused with it’s more common, less aggressive cousin, neuroendicrine carcinoid… this one is rare, and kills quickly). Healthy in July (rode his bike in “Ride the Rockies” in June and “Tour de Wyoming” in July. Multi day rides)… in the hospital in August, dead before Christmas. It is VERY unusual to have two separate, unrelated malignancies.
My father had prostate cancer in his mid 50’s. Again, not unusual. Most men, if they live long enough, will get prostate cancer… if nothing else gets them first. It was dealt with and he was “cured”. Then he got multiple myeloma – a type of blood cancer. He and my brother both learned they had their second cancers within one week of each other in late August 2007. My dad was dead 2 months later. They died 2 months apart. (Fall 2007 sucked for our family).
Did I mention that multiple malignancies are rare?
Family of five that lived under power lines. 3 are dead. 5 cancers between the 3. My sister and I get various screening tests frequently and I paid (not covered by insurance) to make sure I don’t have the BRCA gene.
I can’t say with certainty that the power line caused my family to be a cancer cluster. But I can’t say for certainty they didn’t play a factor.
I’ve heard the theory about cells breaking down, triggering leukemia. I’ve also heard a theory that the dust (normal dust) gets charged – and you breathe it in… so perhaps it’s charged dust that is the problem. Perhaps there’s no issue at all. I can’t say.
All of this is pure anectdote. Might be entirely coincidence. But look at the link I posted – look at the power lines. Even if the odds are small… do you want to risk it?
ParticipantI would never buy directly under a power line for strictly anecdotal reasons. Your mileage may vary.
The following is NOT scientific… the sample size is too small. It is a family of 5.
The house I spent my first 4.5 years in was at 3996 Canning Street, in Clairemont.
http://maps.google.com/maps?q=3996+canning+ave,+san+diego,+ca+92111&hl=en&ll=32.813536,-117.183791&spn=0.005654,0.009302&sll=32.813411,-117.183786&sspn=0.00403,0.004651&t=h&z=17&layer=c&cbll=32.813415,-117.183788&panoid=l3-tgD4mN7dHHc___R45hg&cbp=12,258.46,,0,4.46It backed up to a power line.
My brother lived there 6.5 years. My sister and parents, 7 years.
No one got Leukemia.
However…
My mother was the first to go – got ovarian cancer and died in her mid 60’s. Sad but not suspicious.
My brother got Melanoma in college. Again not suspicious… Skin cancer, even this deadly form, is typically associated with too much sun. We grew up in CA before sunscreen was widely used. It was surgically removed, but he had a lymph node issue in his 30’s that they suspect was metastatic. Again, surgery solved the problem. At age 48, out of the blue, he got a very aggressive, very rare, neuroendicrine carcinoma. (Not to be confused with it’s more common, less aggressive cousin, neuroendicrine carcinoid… this one is rare, and kills quickly). Healthy in July (rode his bike in “Ride the Rockies” in June and “Tour de Wyoming” in July. Multi day rides)… in the hospital in August, dead before Christmas. It is VERY unusual to have two separate, unrelated malignancies.
My father had prostate cancer in his mid 50’s. Again, not unusual. Most men, if they live long enough, will get prostate cancer… if nothing else gets them first. It was dealt with and he was “cured”. Then he got multiple myeloma – a type of blood cancer. He and my brother both learned they had their second cancers within one week of each other in late August 2007. My dad was dead 2 months later. They died 2 months apart. (Fall 2007 sucked for our family).
Did I mention that multiple malignancies are rare?
Family of five that lived under power lines. 3 are dead. 5 cancers between the 3. My sister and I get various screening tests frequently and I paid (not covered by insurance) to make sure I don’t have the BRCA gene.
I can’t say with certainty that the power line caused my family to be a cancer cluster. But I can’t say for certainty they didn’t play a factor.
I’ve heard the theory about cells breaking down, triggering leukemia. I’ve also heard a theory that the dust (normal dust) gets charged – and you breathe it in… so perhaps it’s charged dust that is the problem. Perhaps there’s no issue at all. I can’t say.
All of this is pure anectdote. Might be entirely coincidence. But look at the link I posted – look at the power lines. Even if the odds are small… do you want to risk it?
ParticipantHugh Laurie and Stephen Fry imagine a world where RM had not been born.
Hillarious – but very foul language… so not safe for work.ParticipantHugh Laurie and Stephen Fry imagine a world where RM had not been born.
Hillarious – but very foul language… so not safe for work. -
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