Yeah, like he said: cartels.
Yeah, like he said: cartels.
Wow, what's your occupation? Even being a software developer, my budget and retirement asset numbers are almost exactly an order of magnitude lower than yours...
How long it takes you to retire is a function of only one variable under your control
You mean 2 variables: savings rate and asset allocation. If you want a 50% savings rate to get you retired in 7-8 years, [most of] that money needs to be in the stock market or a real estate portfolio, not under your mattress.
Loss of a lot in the 401k in 2008
The only people who lost money in 2008 were the people who did something stupid with it (i.e. who pulled out of the market and locked in their losses). Everybody who stayed the course made all their money back a couple of years ago, and is now way ahead.
What does "social security" have to do with anything? I'm a "20-something" and plan on retiring 10-15 years from now on just the assets I save myself. If I eventually get social security, well that's just a bonus.
(The hard part is not the lack of social security; the hard part is the shitty job market. Since my wife and I graduated college 5 years ago, at least one of us has been unemployed at almost any given time. We've learned to live on less than a third of our fully-employed income -- which is coincidentally why we'd be able to retire so quickly if we remain fully employed!)
she gets $1600 before taxes.. After taxes, she is at $1100 a month
Bullshit. Even assuming the worst-case scenario (that all of her income is taxable, which if it's Social Security and a pension then it almost certainly isn't), an Adjusted Gross Income of $1600 * 12 = $19200 means her taxable income would be $19,200 - $6100 (standard deduction) - $3900 (one exemption) = $9200. The federal income tax on $9200 is $930, which means her real after-tax monthly income would be $1522. (And before you say "what about state income tax," remember the example is in Texas where there isn't any.)
As for the rest of it, $1522 - $600 - $400 = $522 for food, telephone and car which (given that she's not racking up a bunch of miles commuting) is plenty.
FYI, it's possible to live well surprisingly cheaply in the US. My average spending over the last year has been ~$1700/month, and that's for 2 people living in a 3-bedroom house in a nice, walkable neighborhood about 3 miles from the center of a major city.
How much do you expect to spend per year in retirement? Take that number and multiply by 20 (assuming you think a 4% safe withdrawal rate is OK; or multiply by 33 for a 3% rate, etc.). Note that the safe withdrawal rate also depends strongly on your asset allocation.
"Lost Coast" is a tech demo for HDR lighting, not an expansion. I'm pretty sure you don't have to own HL2 to play it.
Parking meters still impose a cost on the preexisting residents and are not a wholly entrepreneurial solution since they require cooperation from the city.
Parking permits could work if they are granted in perpetuity to whoever currently resides in the preexisting residences, but a) somebody still has to pay for enforcement, b) I've never heard of a parking permit system that actually worked that way, and c) it is also a government, rather than entrepreneurial, solution.
Besides, why solve the problem in a way that must be managed in perpetuity when you can solve it once and for all by just making the developer build enough parking in the first place?
(By the way, I'd like you to know that I'm not making these arguments because I'm a fan of automobile-centric development -- quite the contrary! Rather, I merely take issue with the idea of letting the developer do whatever is "fiscally optimal" for himself without considering the rest of the community that would be impacted by the result.)
That is, unless we abolish the federal reserve and re-establish sound money.
they put all their offices in the middle of major urban areas
It's not even just that! I'd happily commute to Google's office in the middle of the major urban area I already live in, but (as far as I can tell) their office here does only operations, not development.
His antipathy towards our most important civil right, the right to self defense, shows that Stevens was never fit to be admitted to the bar at all. The second amendment doesn't need fixing, it needs ENFORCEMENT.
The right to keep and bear arms isn't for the government to grant or withhold, and the second amendment doesn't even presume to do so. It acknowledges the right as pre-existing, it cites one important reason for preserving it, and forbids the government from infringing it.
The worst asshole in my high school became a cop.
The sick fuck principal and the sick fuck vice-principal at my middle school just loved to paddle kids until their asses were purple.
Never encountered that in school, but by 9th grade I already knew what kind of damage you could do to someone if you knew their name, address and SSN.
What nonsense. The Constitution does not legitimize sedition.
Bullshit. Laws which prohibit sedition are unconstitutional. Wikipedia quotes several Supreme Court cases:
In the seminal free speech case of New York Times Co. v. Sullivan, the Court declared, "Although the Sedition Act was never tested in this Court, the attack upon its validity has carried the day in the court of history." 376 U.S. 254, 276 (1964). In a concurring opinion in Watts v. United States, which involved an alleged threat against President Lyndon Johnson, William O. Douglas noted, "The Alien and Sedition Laws constituted one of our sorriest chapters; and I had thought we had done with them forever
... Suppression of speech as an effective police measure is an old, old device, outlawed by our Constitution."
"Text processing has made it possible to right-justify any idea, even one which cannot be justified on any other grounds." -- J. Finnegan, USC.