Alta4ever

Right, your wrong again, the pentioin has to be funded to 100% of what the company has promised to fund, they can only take a vacation from this if they apply for one from the regulatory body. The big problem in pentions is the defined benefit, these should have been done away with years ago.

Inflation rates have been pretty static at about 3% over the long term, short term they look like well the andex chart, big peaks and valleys.

You eat up the principle, not many retirees retire on the the interest, captial gains and dividends alone.

Do you like talking to yourself?

Now here is a bigger problem then carbon, that needs solving.

no comments yet?

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Do you think it takes the same amount of energy to produce a computer as it did in the sixties? We are much more efficient they we were 30 years ago, the problem is that with that efficiency people were able to afford more luxuries and consume more energy. Average home size has increased the number of house hold electronics has increased, the number of vehicles on the road has increased. As I said market demand drove the increased effeicency, its just that the gains in effeciency translates into afforability and that translates into more consumption. All of this is driven by human nature. The market will also dictate the transfer to other fuels and energy sources, as the current ones become too expensive.

Industries and "companies' have become more efficent over time. Do you ever wonder why you can afford to buy a car now where as when the first was built only the super rich could afford one. It had something to do with Henry Ford making the process of producing them more efficient. This story is repeated time and time again in the last hundred years Market demand drives efficiency.

yes my al knowing peer reviewed god what you say is fact...... or at least what you "beleive" is fact. If you were so concerned you wouldn't be wasting power (enlarging your footprint) on an internet forum. I wouldn't be surprised if you didn't heat your home with geothermal heat. How many other carbon footprint increasing luxuries do you also endulge yourself with? If you truely cared you would move from this climate to one were you would have to heat your home you wouldn't do with as little modern convience as possible and eck out a pathetic existance on as little carbon as possible. I wouldn't be surprised if you ate meat too. You know if humans are such a blight why not just hold your breath indefinately so you don't produce anymore earth damaging carbon.

Do you have a better definition of climate? Or does the climate in my local not count because it doesn't fit the result you want.

Yep the Canadian way instead of dealing with the matter sweep it under the rug and disband the best regiment in Canada.

What I am saying is that recessions aren't unexpected, they should be part of the retirement plan. The pros the real pros, don't put retirees money into risky ventures, I know quite a few people including myself that saw less then a 5% decrease in total portfolio. You don't have to be a pro to know that markets go booming up and come crashing down, those that got burned got greedy, and invested to heavily in very risky funds.

All I am saying is that yhour retirement plan should have this result factored into it. To thnk that a recession won't happen during your retirement is silly. Most people will have a least 25 years of living beyond retirment, in that lenghth of time odds are you are going to see at least one recession.

If they lost that much value they were in the wrong funds to begin with when you get close to retirement you should minimizing your risk to the market, in other words moving assets from equity funds to more conservative ones like bonds.

no you just haven't seen an andex chart and fail to understand that losses aren't realized until you sell the investment. If you don't sell you haven't lost anything.

Sorry but my job pans Western Canada. Has to hit at least three western provinces hard before I am out of work.

so we agree?

Yes the weather outside my window is the climate. A little education for the know it all. cli·mate (klmt) n. 1. The meteorological conditions, including temperature, precipitation, and wind, that characteristically prevail in a particular region. http://www.thefreedictionary.com/climate So are you trying to tell me that the weather in Alberta isn't part of the climate?

Keep dreaming my job is not tied to the oil patch in anyway.

very subjective words, afford it, meaning can afford the monthly payment now but it streches your budget?

I am very able to understand when someone is full of BS, much like you and it seems most on this forum agree but continue t0 make an ass of yourself.

I agree I don't see that as a consumable more of a asset like a home, but over extravigance in these items can also have a harmful effect. You may only need say a half ton truck for work, but you buy a Duramax 3500 loaded instead.

You seem to be too busy selling your own religion do you think you would have time to explain creationism.

The only spin I see is the BS you spew, anyone who reads emails, can see what was going on. If It wasn't so damning it wouldn't need your spin. So what is the next decree on high from the gorical, who will be the next prophet for you and your kind to worship at the feet of? Its darn cold here today sure could use some of that global warming, or how about maybe a sunspot or two>