Hacker News Board Hacker News, browsed like a classic message board
Live data from Hacker News

What Dreams May Come

d4l3.com

Post reply on HN
Print view View original

331–340 of 399 posts

Re: What Dreams May Come

#331

Post by 300bps »

khafra wrote: post #323
300bps wrote: post #312

Earlier quoted context omitted.

I'm in IT but I am also a CFA charter holder (Chartered Financial Analyst). I disagree wholeheartedly on your assertions on whole life. I have only seen whole life be an appropriate investment vehicle for very wealthy families that are doing estate planning. There may be other times where whole life is appropriate but I don't know what they are. In almost all circumstances someone would be better off buying term insu…

> There may be other times where whole life is appropriate but I don't know what they are. $80,000 for cryonic suspension, which is most likely to be successful if you die of a terminal illness; which is most likely to happen when you're old enough that term life insurance is ridiculously expensive (but could happen when you're young, which is why to go whole life instead of just investing and then paying up front fo…

If term life insurance + self-invested funds nets more money than whole life insurance then it is better to buy term life insurance and self invest your funds.

The problem with whole life are the massive profit the company takes and the massive commission the salesperson takes. If:

A represents the value of a term life policy after costs

B represents the value of investing after costs

C represents value of a whole life policy after costs

In all circumstances I've evaluated but one, A+B comes out ahead of C. The only circumstance where C has a chance of coming out ahead from what I've seen is as part of an estate plan to minimize taxes.

Re: What Dreams May Come

#332

Post by refurb »

stefantalpalaru wrote: post #322
refurb wrote: post #287

Earlier quoted context omitted.

More than 50% of the federal budget is for social programs. You're saying those only go to the rich?

That's not the amount that trickles down to those needing the social programs. Most of it is lost in the skimming off the top done at each of the many layers along the way.

That's a ridiculous statement. You can easily look up what payouts are made to individuals. "Most" is lost. Give me a break.

Re: What Dreams May Come

#334

Post by callmeed »

darthclue wrote: post #74

Jonathan here. Being woke up by my wife crying because the donations just aren't stopping is both heart-breaking and comforting. For those of you who haven't seen the 'Bucket List' post, here's what it says at the very top: As I try to deal with the reality that is my impending death I can't help but wonder how many things I might have been able to accomplish given just a little more time. When I was diagnosed, I had…

What part of NE Oklahoma are you from? My daughter grew up in Grove so I spent a lot of time there visiting her.

Praying and pitching in as much as I can.

Re: What Dreams May Come

#335

Post by siculars »

How about a Star Trek catan tabletop webisode with OP, wilw, aw and fd. Just film as a regular episode and don't mention the C word. I'm sure someone here could reach out to @wilw...

Re: What Dreams May Come

#337

Post by yawz »

darthclue wrote: post #74

Jonathan here. Being woke up by my wife crying because the donations just aren't stopping is both heart-breaking and comforting. For those of you who haven't seen the 'Bucket List' post, here's what it says at the very top: As I try to deal with the reality that is my impending death I can't help but wonder how many things I might have been able to accomplish given just a little more time. When I was diagnosed, I had…

My mom recently got diagnosed with a terminal illness. This was a very sad eye-opener for me. Having lived that in the family it has made me think about many things and how suddenly life can pull the rug from under you. I can say from my own experience that being happy and enjoying every day as much as you can are the best gifts you can give to your loved ones. My heart goes out to you and to your family.

Re: What Dreams May Come

#338

Post by Double_Cast »

theknown99 wrote: post #283
vidarh wrote: post #249

Earlier quoted context omitted.

Who are "they"? Hypotheses and projections are constantly refined. But in comparison to estimates on things like coal or climate, the population growth models are almost trivially simple, and while the numbers are adjusted up and down regularly to account for actual data, all data we have show the population growth consistently slowing down. For starters, one of the things that make the population models straightforw…

I appreciate your arguments, but why then is the world population graph basically linearly increasing since the 60s? It's not slowing down.

I looked at your graph, and I was wondering about that too. I'm no expert, but consider this.

Population growth is usually expected to be exponential. The fact that the graph looks linear we could interpret as a positive sign.

Also, if we check out the Earth's growth rate [1], the percentages have indeed slowed down. The left part (1965 - 1970) peaking at 2.10% looks like Generation X, the children of the baby boomers. The latest datum at 2012 returns 1.15%, and is still trending slightly negative.

The growth rate charts become more interesting as you isolate specific regions and countries. Sub-Saharan is the only region which is mostly trending positive [2]. Japan has received some press in recent years because its growth rate has actually crossed the x-axis[3] .

[1] https://www.google.co.uk/publicdata/explore?ds=d5bncppjof8f9...

[2] https://www.google.co.uk/publicdata/explore?ds=d5bncppjof8f9...

[3] https://www.google.co.uk/publicdata/explore?ds=d5bncppjof8f9...

Re: What Dreams May Come

#339

Post by clarkm »

callmeed wrote: post #334
darthclue wrote: post #74

Jonathan here. Being woke up by my wife crying because the donations just aren't stopping is both heart-breaking and comforting. For those of you who haven't seen the 'Bucket List' post, here's what it says at the very top: As I try to deal with the reality that is my impending death I can't help but wonder how many things I might have been able to accomplish given just a little more time. When I was diagnosed, I had…

What part of NE Oklahoma are you from? My daughter grew up in Grove so I spent a lot of time there visiting her. Praying and pitching in as much as I can.

He mentions in the part about Casa Bonita that he's from Tulsa (which is also where I grew up).

Re: What Dreams May Come

#340

Post by gnaritas »

dllthomas wrote: post #324
gnaritas wrote: post #309

Earlier quoted context omitted.

What does that matter at all; it's no longer legal to discriminate based on pre-existing conditions. He can simply sign up with any insurance company, they cannot turn him down because he has cancer. Obamacare solved this problem.

I have no idea if the parent is accurate, but I understand them to be talking about life insurance, not health insurance.

Oh, my bad then, never mind.
Post reply on HN