[UCGal]

[quote=Nor-LA-SD-guy]Gates: Colleges’ future is on the web

I think he also said children can learn independently.

Well anyway, what I am getting at is in the near future I think it will not matter what school district you live in (or not as much anyway) as most education will be web based.[/quote]
Hijack off of Temecula and onto web based learning.

Gosh I hope schools don’t go 100% online. While some education can be done on the web – not all of it. How do you do science projects? How do you do art? How do you learn social skills? The internet is a tool – but it cannot replace the school environment. It can supplement, sure, but not replace… at least not at the younger ages.

Part of the value of school is the social skills a child develops. (And one of the reasons I, personally, would not homeschool my kids.) Learning to interact with other kids – especially ones you don’t like or get along with – is a key part of education and very important preparation for adulthood.

[UCGal]

[quote=Nor-LA-SD-guy]Gates: Colleges’ future is on the web

I think he also said children can learn independently.

Well anyway, what I am getting at is in the near future I think it will not matter what school district you live in (or not as much anyway) as most education will be web based.[/quote]
Hijack off of Temecula and onto web based learning.

Gosh I hope schools don’t go 100% online. While some education can be done on the web – not all of it. How do you do science projects? How do you do art? How do you learn social skills? The internet is a tool – but it cannot replace the school environment. It can supplement, sure, but not replace… at least not at the younger ages.

Part of the value of school is the social skills a child develops. (And one of the reasons I, personally, would not homeschool my kids.) Learning to interact with other kids – especially ones you don’t like or get along with – is a key part of education and very important preparation for adulthood.

[UCGal]

[quote=Nor-LA-SD-guy]Gates: Colleges’ future is on the web

I think he also said children can learn independently.

Well anyway, what I am getting at is in the near future I think it will not matter what school district you live in (or not as much anyway) as most education will be web based.[/quote]
Hijack off of Temecula and onto web based learning.

Gosh I hope schools don’t go 100% online. While some education can be done on the web – not all of it. How do you do science projects? How do you do art? How do you learn social skills? The internet is a tool – but it cannot replace the school environment. It can supplement, sure, but not replace… at least not at the younger ages.

Part of the value of school is the social skills a child develops. (And one of the reasons I, personally, would not homeschool my kids.) Learning to interact with other kids – especially ones you don’t like or get along with – is a key part of education and very important preparation for adulthood.

[UCGal]

[quote=davelj]90% of this number is related to Social Security and Medicare. Raise the age at which Social Security and Medicare can be received to 70 – and keep raising it as life expectancy increases – and this fiscal gap largely disappears. Easy to accomplish in theory, but politically difficult. Average life expectancy is 13 years greater than it was in 1935 when Social Security was enacted. And yet the age at which benefits can be received has stayed the same. The solution isn’t that complicated, but it requires political backbone, which is in short supply.[/quote]
The age to receive FULL benefits was increased. It was 65 when I was younger… now it’s 67 for folks born after 1960. You can still take early (smaller) benefits at age 62 – but it is scaled accordingly.

Another option is to raise the wage ceiling for SS premiums. For 2010 you pay SS premiums on the first $106,800. If you make $150k – you do not pay SS on the $43,200 that is above 106,800. If you were to require all earned income (no ceiling) pay into SS, you’d solve the SS problem.

Medicare is another problem. It is expensive to get health insurance outside of a group (employer provided) program when you reach “a certain age”. So self employed persons would be hosed if you raised the age you can sign up for medicare (currently age 65.)

Health insurance is the one aspect I’m struggling with as I work my “what if” retirement plan scenarios.

If you raise the age you can collect SS, you’d also have to raise the age you are mandated to start taking RMDs on your 401k/IRA moneys. It’s currently mandated that you take a distribution starting at age 70.5. If you raise the age you work, this would need to be adjusted.

And there are jobs that have maximum retirement ages – like the military, law enforcement officers under the DOJ (like FBI), etc. What if your career is a commercial pilot… do you really want to raise the age that people are on the job? Do you want geezer pilots driving the passenger jets? I don’t. I want that nice middle aged, experienced pilot that still has decent reflexes and isn’t worried about arthritis, Metamucil, or denture gaps.

[UCGal]

[quote=davelj]90% of this number is related to Social Security and Medicare. Raise the age at which Social Security and Medicare can be received to 70 – and keep raising it as life expectancy increases – and this fiscal gap largely disappears. Easy to accomplish in theory, but politically difficult. Average life expectancy is 13 years greater than it was in 1935 when Social Security was enacted. And yet the age at which benefits can be received has stayed the same. The solution isn’t that complicated, but it requires political backbone, which is in short supply.[/quote]
The age to receive FULL benefits was increased. It was 65 when I was younger… now it’s 67 for folks born after 1960. You can still take early (smaller) benefits at age 62 – but it is scaled accordingly.

Another option is to raise the wage ceiling for SS premiums. For 2010 you pay SS premiums on the first $106,800. If you make $150k – you do not pay SS on the $43,200 that is above 106,800. If you were to require all earned income (no ceiling) pay into SS, you’d solve the SS problem.

Medicare is another problem. It is expensive to get health insurance outside of a group (employer provided) program when you reach “a certain age”. So self employed persons would be hosed if you raised the age you can sign up for medicare (currently age 65.)

Health insurance is the one aspect I’m struggling with as I work my “what if” retirement plan scenarios.

If you raise the age you can collect SS, you’d also have to raise the age you are mandated to start taking RMDs on your 401k/IRA moneys. It’s currently mandated that you take a distribution starting at age 70.5. If you raise the age you work, this would need to be adjusted.

And there are jobs that have maximum retirement ages – like the military, law enforcement officers under the DOJ (like FBI), etc. What if your career is a commercial pilot… do you really want to raise the age that people are on the job? Do you want geezer pilots driving the passenger jets? I don’t. I want that nice middle aged, experienced pilot that still has decent reflexes and isn’t worried about arthritis, Metamucil, or denture gaps.

[UCGal]

[quote=davelj]90% of this number is related to Social Security and Medicare. Raise the age at which Social Security and Medicare can be received to 70 – and keep raising it as life expectancy increases – and this fiscal gap largely disappears. Easy to accomplish in theory, but politically difficult. Average life expectancy is 13 years greater than it was in 1935 when Social Security was enacted. And yet the age at which benefits can be received has stayed the same. The solution isn’t that complicated, but it requires political backbone, which is in short supply.[/quote]
The age to receive FULL benefits was increased. It was 65 when I was younger… now it’s 67 for folks born after 1960. You can still take early (smaller) benefits at age 62 – but it is scaled accordingly.

Another option is to raise the wage ceiling for SS premiums. For 2010 you pay SS premiums on the first $106,800. If you make $150k – you do not pay SS on the $43,200 that is above 106,800. If you were to require all earned income (no ceiling) pay into SS, you’d solve the SS problem.

Medicare is another problem. It is expensive to get health insurance outside of a group (employer provided) program when you reach “a certain age”. So self employed persons would be hosed if you raised the age you can sign up for medicare (currently age 65.)

Health insurance is the one aspect I’m struggling with as I work my “what if” retirement plan scenarios.

If you raise the age you can collect SS, you’d also have to raise the age you are mandated to start taking RMDs on your 401k/IRA moneys. It’s currently mandated that you take a distribution starting at age 70.5. If you raise the age you work, this would need to be adjusted.

And there are jobs that have maximum retirement ages – like the military, law enforcement officers under the DOJ (like FBI), etc. What if your career is a commercial pilot… do you really want to raise the age that people are on the job? Do you want geezer pilots driving the passenger jets? I don’t. I want that nice middle aged, experienced pilot that still has decent reflexes and isn’t worried about arthritis, Metamucil, or denture gaps.

[UCGal]

[quote=davelj]90% of this number is related to Social Security and Medicare. Raise the age at which Social Security and Medicare can be received to 70 – and keep raising it as life expectancy increases – and this fiscal gap largely disappears. Easy to accomplish in theory, but politically difficult. Average life expectancy is 13 years greater than it was in 1935 when Social Security was enacted. And yet the age at which benefits can be received has stayed the same. The solution isn’t that complicated, but it requires political backbone, which is in short supply.[/quote]
The age to receive FULL benefits was increased. It was 65 when I was younger… now it’s 67 for folks born after 1960. You can still take early (smaller) benefits at age 62 – but it is scaled accordingly.

Another option is to raise the wage ceiling for SS premiums. For 2010 you pay SS premiums on the first $106,800. If you make $150k – you do not pay SS on the $43,200 that is above 106,800. If you were to require all earned income (no ceiling) pay into SS, you’d solve the SS problem.

Medicare is another problem. It is expensive to get health insurance outside of a group (employer provided) program when you reach “a certain age”. So self employed persons would be hosed if you raised the age you can sign up for medicare (currently age 65.)

Health insurance is the one aspect I’m struggling with as I work my “what if” retirement plan scenarios.

If you raise the age you can collect SS, you’d also have to raise the age you are mandated to start taking RMDs on your 401k/IRA moneys. It’s currently mandated that you take a distribution starting at age 70.5. If you raise the age you work, this would need to be adjusted.

And there are jobs that have maximum retirement ages – like the military, law enforcement officers under the DOJ (like FBI), etc. What if your career is a commercial pilot… do you really want to raise the age that people are on the job? Do you want geezer pilots driving the passenger jets? I don’t. I want that nice middle aged, experienced pilot that still has decent reflexes and isn’t worried about arthritis, Metamucil, or denture gaps.

[UCGal]

[quote=davelj]90% of this number is related to Social Security and Medicare. Raise the age at which Social Security and Medicare can be received to 70 – and keep raising it as life expectancy increases – and this fiscal gap largely disappears. Easy to accomplish in theory, but politically difficult. Average life expectancy is 13 years greater than it was in 1935 when Social Security was enacted. And yet the age at which benefits can be received has stayed the same. The solution isn’t that complicated, but it requires political backbone, which is in short supply.[/quote]
The age to receive FULL benefits was increased. It was 65 when I was younger… now it’s 67 for folks born after 1960. You can still take early (smaller) benefits at age 62 – but it is scaled accordingly.

Another option is to raise the wage ceiling for SS premiums. For 2010 you pay SS premiums on the first $106,800. If you make $150k – you do not pay SS on the $43,200 that is above 106,800. If you were to require all earned income (no ceiling) pay into SS, you’d solve the SS problem.

Medicare is another problem. It is expensive to get health insurance outside of a group (employer provided) program when you reach “a certain age”. So self employed persons would be hosed if you raised the age you can sign up for medicare (currently age 65.)

Health insurance is the one aspect I’m struggling with as I work my “what if” retirement plan scenarios.

If you raise the age you can collect SS, you’d also have to raise the age you are mandated to start taking RMDs on your 401k/IRA moneys. It’s currently mandated that you take a distribution starting at age 70.5. If you raise the age you work, this would need to be adjusted.

And there are jobs that have maximum retirement ages – like the military, law enforcement officers under the DOJ (like FBI), etc. What if your career is a commercial pilot… do you really want to raise the age that people are on the job? Do you want geezer pilots driving the passenger jets? I don’t. I want that nice middle aged, experienced pilot that still has decent reflexes and isn’t worried about arthritis, Metamucil, or denture gaps.

[UCGal]

[quote=desmond]I bet you would go out with Don Draper (before you were married of coarse) if he was to persuade you.[/quote]

LOL – Yeah, I’d tap that. 😉

[UCGal]

[quote=desmond]I bet you would go out with Don Draper (before you were married of coarse) if he was to persuade you.[/quote]

LOL – Yeah, I’d tap that. 😉

[UCGal]

[quote=desmond]I bet you would go out with Don Draper (before you were married of coarse) if he was to persuade you.[/quote]

LOL – Yeah, I’d tap that. 😉

[UCGal]

[quote=desmond]I bet you would go out with Don Draper (before you were married of coarse) if he was to persuade you.[/quote]

LOL – Yeah, I’d tap that. 😉

[UCGal]

[quote=desmond]I bet you would go out with Don Draper (before you were married of coarse) if he was to persuade you.[/quote]

LOL – Yeah, I’d tap that. 😉

[UCGal]

We’ve been watching MadMen on dvd this summer. I’m tivo’ing the new season… so when we catch up, we’ll have those episodes.

My husband calls it the “drinking & smoking” show. I call it the “glad I’m not a woman in the workplace back in those days” show.

[UCGal]

We’ve been watching MadMen on dvd this summer. I’m tivo’ing the new season… so when we catch up, we’ll have those episodes.

My husband calls it the “drinking & smoking” show. I call it the “glad I’m not a woman in the workplace back in those days” show.

[Author]

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