be good if you could buy a fixed price forward deal buying you all the essentials of life - rent, car, phone, energy, food, transport, TV and other media etc
In 1965, aged 90 and with no heirs left, Jeanne Calment signed a life estate contract on her apartment with her lawyer selling the property in exchange for a right of occupancy and a monthly pension of 2,500 francs until her death at 122. Raffray died in 1995, by which time Calment had received more than double the apartment's value from him, and his family had to continue making payments. Calment commented on the situation by saying, "in life, one sometimes makes bad deals".
You're asking an insurer to bet on the risk of long term price fluctuations. Actuaries have ways of working it out. Clever people with computers and whatnot.
I mean an annuity with inflation protection would get you close assuming your expenses are more or less in line with inflation and relatively the same expenses throughout life
or buy a lot of dividend aristocrat stocks instead and hope they raise dividends every year
Sir Woke how much of your posting is the result of chronic constipation?
I will confess to occasionally reading ROF during moments of compaction, but I prefer to post whilst IVV.
I cant help suppose that you don't eat enough fibre. Please disabuse me of this conclusion.
The idea of you straining with cheeks puffed out and ruddy as you press 'send' isn't pretty, but increasingly is my conclusion. Are you Fibrogel in real life, and if so which flavour, in case I find myself similarly troubled. Hopefully something liquorice based??
One issue is whether this would include something which in a few years time would be regarded by many as a near essential but is not at present (or maybe is not yet even invented).
An example of this might be the equivalent of a smart phone. If you had taken out the kind of deal laz envisges, say, 20 years ago, would your smart phone be included or not?
Prodgers you’re a real critic aren’t you. I remember you chipping at me before over my aspiration of a better career than the utter shite that is law. Must be a real burden occupying your post of completely imagined infinite wisdom.
I have naturally good digestion, no need for supplements, just a couple of slices of wholemeal toast in the morning. Prodgers does seem to have extensive insight into sitting and gurning.
I think chivying rather than chipping Sir Woke. There is a difference. Chipping implies a negative judgment: absolutely not the case.
Chivying or chipping, do you not ever think that you might be bringing it on yourself, with the way you project yourself here?
Chivying is 'well fooking do it. This isnt the dress rehearsal'.
I genuinely hope that you achieve the break you've been describing.
In my largely unexceptional life, the one thing I did that was arguably a little different was to walk away from law at 10 years in, with a young family and a big mortgage, that became a much bigger mortgage, and do something utterly remote from law and entirely unconventional.
I'm sure I've said something similar before. If you can afford to, FFS do it man. That's all. And if that is the only iota of wisdom I possess, I would rather share it with anyone contemplating where they are in their career and in life.
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In 1965, aged 90 and with no heirs left, Jeanne Calment signed a life estate contract on her apartment with her lawyer selling the property in exchange for a right of occupancy and a monthly pension of 2,500 francs until her death at 122. Raffray died in 1995, by which time Calment had received more than double the apartment's value from him, and his family had to continue making payments. Calment commented on the situation by saying, "in life, one sometimes makes bad deals".
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What the OP describes is basically an annuity, surely?
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An annuity with a Sky package.
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A risk free life? Do millennials have any other ambitions?
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it’s fvcking obviously different to an annuity in that an annuity leaves you exposed to price risk on, er, everything
would u like another go
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It gives you a fixed income, Einstein.
What is you're after exactly?
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Are you asking utility companies to offer fixed price tariffs for the rest of your life?
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You're asking an insurer to bet on the risk of long term price fluctuations. Actuaries have ways of working it out. Clever people with computers and whatnot.
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that’s the idea
and not just one thing - no not just energy etc - everything. accommodation, car, fuel and domestic energy, media and utilities, food
ducks, an annuity is a fixed income, this is about fixed costs. it’s not a subtle distinction
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I want the upgrade package including all you can drink. Will that make it cheaper?
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that wound be brill
it wouldn’t have to be for life either, there’s be uptake even for 5yr deals
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I mean an annuity with inflation protection would get you close assuming your expenses are more or less in line with inflation and relatively the same expenses throughout life
or buy a lot of dividend aristocrat stocks instead and hope they raise dividends every year
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Sir Woke how much of your posting is the result of chronic constipation?
I will confess to occasionally reading ROF during moments of compaction, but I prefer to post whilst IVV.
I cant help suppose that you don't eat enough fibre. Please disabuse me of this conclusion.
The idea of you straining with cheeks puffed out and ruddy as you press 'send' isn't pretty, but increasingly is my conclusion. Are you Fibrogel in real life, and if so which flavour, in case I find myself similarly troubled. Hopefully something liquorice based??
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One issue is whether this would include something which in a few years time would be regarded by many as a near essential but is not at present (or maybe is not yet even invented).
An example of this might be the equivalent of a smart phone. If you had taken out the kind of deal laz envisges, say, 20 years ago, would your smart phone be included or not?
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No sorry. Your package only includes a landline, a subscription to Radio Times, Blockbuster membership and free colour processing at Boots.
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Lax in why can’t someone else make my life even easier for me than it is already? whinge non shocka.
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your post undermined, as some catastrophic underlying stupidity undermines all your posts, that there is literally zero whinge from me on this thread
if negative whinge were possible, that would be me on this thread
in any event making life easier is, patently, a very good idea kndeed
me 19367825 you 0
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this is RoF post of the year so far for 2023 and I must say a pretty high benchmark.
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Prodgers you’re a real critic aren’t you. I remember you chipping at me before over my aspiration of a better career than the utter shite that is law. Must be a real burden occupying your post of completely imagined infinite wisdom.
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He makes a fair point about the bowels tho bro
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I never post on the toilet
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Try syrup of figs.
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I don’t understand this thread. Saying that, Ispaghula husk is a game changer.
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I have naturally good digestion, no need for supplements, just a couple of slices of wholemeal toast in the morning. Prodgers does seem to have extensive insight into sitting and gurning.
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I think chivying rather than chipping Sir Woke. There is a difference. Chipping implies a negative judgment: absolutely not the case.
Chivying or chipping, do you not ever think that you might be bringing it on yourself, with the way you project yourself here?
Chivying is 'well fooking do it. This isnt the dress rehearsal'.
I genuinely hope that you achieve the break you've been describing.
In my largely unexceptional life, the one thing I did that was arguably a little different was to walk away from law at 10 years in, with a young family and a big mortgage, that became a much bigger mortgage, and do something utterly remote from law and entirely unconventional.
I'm sure I've said something similar before. If you can afford to, FFS do it man. That's all. And if that is the only iota of wisdom I possess, I would rather share it with anyone contemplating where they are in their career and in life.
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Prodders - I’m listening m8
It’s pearls before swine on here sometimes
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You think Laz has trouble producing crap?
Interesting diagnosis.
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No on the contrary. I think there may be an issue with anal retention.
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Constipation can take many coilforms
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