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Groups > alt.folklore.computers > #156564
| From | Morten Reistad <first@last.name.invalid> |
|---|---|
| Newsgroups | alt.folklore.computers |
| Subject | Re: I Feel Old |
| Date | 2016-01-13 01:27 +0100 |
| Organization | Me, Myself and I |
| Message-ID | <38igmc-5aa.ln1@sambook.reistad.name> (permalink) |
| References | <9dcde262-7129-4a8f-b034-105b67d61cf5@googlegroups.com> <n6eg6f$4ec$1@dont-email.me> <df03rjF76smU1@mid.individual.net> <n7435h$gfp$1@dont-email.me> |
In article <n7435h$gfp$1@dont-email.me>, Stephen Sprunk <stephen@sprunk.org> wrote: >On 04-Jan-16 14:43, Osmium wrote: >> "Stephen Sprunk" wrote: >>> You may hear about 401(k), 403(b), IRA or other retirement plans; >>> these are often mistakenly called pensions, but they're not. >>> What's relevant here is that their funds _are_ held in trust by a >>> third party, unlike pensions (other than the GM/UAW exception). >> >> When 401Ks started being popular my employer gave me a packet of >> literature about this new "retirement plan" I read it over and over >> and over and never did find a retirement plan. ... It was a plan to >> accumulate a pile of money, if you chose to you could, havling the >> pile, buy an annuity and have a simulated retirement plan. > >You seem to be equating "retirement plan" with "life annuity", but the >latter is a subset; the former includes _any_ plan to provide income >during retirement. > >Rather than cashing out and buying a life annuity with said pile of >money, you could simply leave it invested in the market and take out a >portion when you need some--and at much lower tax rates. Whatever is >left over when you die goes to your designated beneficiary(ies). > >(For those not familiar with life annuities, they're essentially the >opposite of life insurance: they pay out when you _don't_ die.) > >> But from everything I saw, actually buying an annuity is a very >> poor choice for most people. > >The main benefit of a life annuity is protecting against the risk of >living longer than expected. However, buying insurance has a cost in >itself, and there's nothing left over when you do die. > >Pensions are essentially life annuities run by employers as a sideline >rather than by an insurance company as its core competency. Does that >really sound like a good idea if you're looking for security? Only in America. This is forbidden, or so regulated it in practice is. Having the employer manage the pension fund, that is. Almost every other western country has strict rules for the management of these. Even a bank or a brokerage needs chinese walls between itself and the fund. There are, in most places, also clear limits to how much of the fund payment that can go to buy the company shares; with limits on the order of 15% or so. >> It drove me absolutely crazy that they couldn't have some English >> speaking person do their write-up. > >I never had a problem reading the materials that my employers or plan >administrators gave me. They didn't provide much direction in _how_ to >invest within the plan, but there's no shortage of advice floating >around the Web, and I've beaten the market every year for nearly 20 >years with maybe an hour of work. OTOH, every year the best Wall St >analysts lose to a monkey throwing darts, so it's not that tough. There are two main ways to try to beat the market. One works, reliably; the other doesn't; just as reliably. Stock picking; i.e. predicting which company/bond/fund will outperform the rest does not. Instrument picking; i.e. choosing cash, bonds, real estate, stocks to match the business cycle does. Almost everyone can tell where on the "cycle clock" you are, within 1-2 "hours"; and that is plenty to beat the market. At the recession side, 6 is the bottom, 9 is the recovery, 12 is the top. And 3 is the way down. I would say the US is at an 8, somewhat wavering; but the top may be passed in a few months. It is pretty easy to get a feel for where you are in this cycle; everyone sees so much of this that almost everyone gets the timing within 1-2 "hours". From around 6:30 to 11:30 hold stocks. They generally outperform everything else, but they only move ahead ca from 7 till 11. Otherwise stay in bonds or cash. When interest rates go down the bonds go up. Interest rates go up until ca 3:00, and then drop sharply; so stay in bonds during the dip. Get in at around 2:30. You can also generally get good interest on bonds, so they are sensible except when outperformed by stocks; or just on the very top of the cycle. They are a lot less volatile than stocks, so if in doubt go for bonds. This is an investment strategy that is forbidden for the large volume of managed funds out there. Allowing it for the large portfolios would wreck total havoc with the markets. But for your own, private 401 you can go right ahead. Most funds have fixed ratios; 40:50:10 is pretty standard; 40% stocks, 50% bonds and 10 varying (cash, stocks, bonds). -- mrr
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I Feel Old Quadibloc <jsavard@ecn.ab.ca> - 2016-01-01 10:49 -0800
Re: I Feel Old "Charles Richmond" <numerist@aquaporin4.com> - 2016-01-01 13:33 -0600
Re: I Feel Old Quadibloc <jsavard@ecn.ab.ca> - 2016-01-01 12:05 -0800
Re: I Feel Old Mike Spencer <mds@bogus.nodomain.nowhere> - 2016-01-02 04:41 -0400
Re: I Feel Old "Joe Morris" <j.c.morris@verizon.net> - 2016-01-02 11:50 -0500
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-02 17:14 +0000
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-02 17:36 -0800
Re: I Feel Old John Garza <john@127.0.0.1> - 2016-01-03 08:07 -0600
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-03 15:06 +0000
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-03 11:05 -0500
Re: I Feel Old Huge <Huge@nowhere.much.invalid> - 2016-01-03 17:59 +0000
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-03 18:08 +0000
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-04 06:44 -0500
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-04 12:24 +0000
Re: I Feel Old Dave Garland <dave.garland@wizinfo.com> - 2016-01-03 09:45 -0600
Re: I Feel Old Lon <lon.stowell@comcast.net> - 2016-01-03 13:12 -0700
Re: I Feel Old Dan Espen <despen@verizon.net> - 2016-01-03 16:56 -0500
Re: I Feel Old Quadibloc <jsavard@ecn.ab.ca> - 2016-01-03 14:27 -0800
Re: I Feel Old Andrew Swallow <am.swallow@btinternet.com> - 2016-01-03 23:53 +0000
Re: I Feel Old John Garza <john@127.0.0.1> - 2016-01-04 07:42 -0600
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-04 14:32 +0000
Re: I Feel Old Huge <Huge@nowhere.much.invalid> - 2016-01-04 16:55 +0000
Re: I Feel Old Dan Espen <despen@verizon.net> - 2016-01-04 11:41 -0500
Re: I Feel Old Morten Reistad <first@last.name.invalid> - 2016-01-03 17:37 +0100
Re: I Feel Old Lon <lon.stowell@comcast.net> - 2016-01-03 13:11 -0700
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-04 07:48 -0800
Re: I Feel Old Andrew Swallow <am.swallow@btinternet.com> - 2016-01-04 16:01 +0000
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-04 16:23 +0000
Re: I Feel Old Mike Spencer <mds@bogus.nodomain.nowhere> - 2016-01-03 17:30 -0400
Re: I Feel Old "Charles Richmond" <numerist@aquaporin4.com> - 2016-01-04 14:55 -0600
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-04 13:15 -0800
Re: I Feel Old "Charles Richmond" <numerist@aquaporin4.com> - 2016-01-05 14:59 -0600
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-05 13:31 -0800
Re: I Feel Old Jon Elson <elson@pico-systems.com> - 2016-01-05 22:11 -0600
Re: I Feel Old Quadibloc <jsavard@ecn.ab.ca> - 2016-01-04 17:07 -0800
Re: I Feel Old philo <philo@privacy.net> - 2016-01-06 19:21 -0600
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-01 21:33 +0000
Re: I Feel Old mausg@mail.com - 2016-01-01 22:52 +0000
Re: I Feel Old Quadibloc <jsavard@ecn.ab.ca> - 2016-01-01 15:57 -0800
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-01 20:52 -0800
Re: I Feel Old Michael Black <et472@ncf.ca> - 2016-01-02 00:45 -0500
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-02 06:40 +0000
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-02 17:25 -0800
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-03 08:18 +0000
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-03 07:26 -0500
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-04 07:34 -0800
Re: I Feel Old mausg@mail.com - 2016-01-02 14:27 +0000
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-02 17:28 -0800
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-02 19:56 -0600
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-03 07:26 -0500
Re: I Feel Old Anne & Lynn Wheeler <lynn@garlic.com> - 2016-01-03 10:00 -0800
Re: I Feel Old Anne & Lynn Wheeler <lynn@garlic.com> - 2016-01-17 08:48 -0800
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-04 07:44 -0800
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-04 13:42 -0600
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-05 11:15 -0800
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-06 11:27 -0600
Re: I Feel Old "Osmium" <r124c4u102@comcast.net> - 2016-01-06 12:02 -0600
Re: I Feel Old scott@slp53.sl.home (Scott Lurndal) - 2016-01-06 18:52 +0000
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-06 18:06 -0600
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-07 12:04 -0500
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-07 09:22 -0800
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-13 15:55 -0600
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-07 09:36 -0800
Re: I Feel Old Charlie Gibbs <cgibbs@kltpzyxm.invalid> - 2016-01-07 17:47 +0000
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-07 18:47 -0600
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-07 19:23 -0600
Re: I Feel Old Morten Reistad <first@last.name.invalid> - 2016-01-08 10:58 +0100
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-08 06:37 -0500
Re: I Feel Old Morten Reistad <first@last.name.invalid> - 2016-01-08 15:53 +0100
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-08 11:26 -0600
Re: I Feel Old "879" <879@nospam.com> - 2016-01-09 09:53 +1100
Re: I Feel Old Morten Reistad <first@last.name.invalid> - 2016-01-09 11:24 +0100
Re: I Feel Old "879" <879@nospam.com> - 2016-01-10 06:06 +1100
Re: I Feel Old Anne & Lynn Wheeler <lynn@garlic.com> - 2016-01-08 10:13 -0800
Re: I Feel Old Huge <Huge@nowhere.much.invalid> - 2016-01-08 17:42 +0000
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-09 07:30 -0500
Re: I Feel Old "Osmium" <r124c4u102@comcast.net> - 2016-01-09 07:07 -0600
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-09 11:55 -0800
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-09 15:40 -0600
Re: I Feel Old "jack" <jkl8976@nospam.com> - 2016-01-10 06:13 +1100
Re: I Feel Old Jon Elson <elson@pico-systems.com> - 2016-01-09 13:36 -0600
Re: I Feel Old Dave Garland <dave.garland@wizinfo.com> - 2016-01-09 15:30 -0600
Re: I Feel Old Dan Espen <despen@verizon.net> - 2016-01-08 10:43 -0500
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-08 10:33 -0600
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-08 10:46 -0800
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-08 10:59 -0600
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-08 10:44 -0800
Re: I Feel Old Huge <Huge@nowhere.much.invalid> - 2016-01-08 22:53 +0000
Re: I Feel Old "879" <879@nospam.com> - 2016-01-09 12:53 +1100
Re: I Feel Old Morten Reistad <first@last.name.invalid> - 2016-01-09 11:29 +0100
Re: I Feel Old Morten Reistad <first@last.name.invalid> - 2016-01-09 11:26 +0100
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-12 16:22 -0600
Re: I Feel Old "jack" <jkl8976@nospam.com> - 2016-01-13 10:03 +1100
Re: I Feel Old "Osmium" <r124c4u102@comcast.net> - 2016-01-12 21:01 -0600
Re: I Feel Old "jack" <jkl8976@nospam.com> - 2016-01-13 14:22 +1100
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-13 10:14 -0800
Re: I Feel Old mausg@mail.com - 2016-01-13 18:51 +0000
Re: I Feel Old "jack" <jkl8976@nospam.com> - 2016-01-14 07:02 +1100
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-13 13:06 -0600
Re: I Feel Old "879" <879@nospam.com> - 2016-01-09 09:51 +1100
Re: I Feel Old "879" <879@nospam.com> - 2016-01-09 06:01 +1100
Re: I Feel Old Dave Garland <dave.garland@wizinfo.com> - 2016-01-08 13:21 -0600
Re: I Feel Old scott@slp53.sl.home (Scott Lurndal) - 2016-01-08 20:58 +0000
Re: I Feel Old "Jack Myers" <jmyers@n6wuz.net> - 2016-01-08 20:36 -0800
Re: I Feel Old Morten Reistad <first@last.name.invalid> - 2016-01-09 11:31 +0100
Re: I Feel Old Lawrence Statton <lawrence@senguio.mx> - 2016-01-09 18:33 -0600
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-09 07:30 -0500
Re: I Feel Old mausg@mail.com - 2016-01-09 12:59 +0000
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-09 15:31 -0600
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-09 17:22 -0500
Re: I Feel Old Quadibloc <jsavard@ecn.ab.ca> - 2016-01-09 17:07 -0800
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-10 11:25 -0800
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-11 17:08 -0600
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-12 07:43 -0800
Re: I Feel Old Anne & Lynn Wheeler <lynn@garlic.com> - 2016-01-12 08:44 -0800
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-12 09:52 -0800
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-12 12:28 -0600
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-12 10:58 -0800
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-12 14:49 -0600
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-12 13:57 -0800
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-12 18:19 -0500
Re: I Feel Old Anne & Lynn Wheeler <lynn@garlic.com> - 2016-01-12 17:37 -0800
Re: I Feel Old Anne & Lynn Wheeler <lynn@garlic.com> - 2016-01-12 18:46 -0800
Re: I Feel Old Charlie Gibbs <cgibbs@kltpzyxm.invalid> - 2016-01-08 16:08 +0000
Re: I Feel Old Lawrence Statton <lawrence@senguio.mx> - 2016-01-09 18:38 -0600
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-09 21:43 -0600
Re: I Feel Old "Osmium" <r124c4u102@comcast.net> - 2016-01-09 22:56 -0600
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-11 23:49 -0600
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-12 07:46 -0800
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-12 11:28 -0500
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-12 14:58 -0600
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-12 14:01 -0800
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-12 16:42 -0600
Re: I Feel Old Charlie Gibbs <cgibbs@kltpzyxm.invalid> - 2016-01-12 22:07 +0000
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-08 10:36 -0800
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-09 05:04 -0500
Re: I Feel Old scott@slp53.sl.home (Scott Lurndal) - 2016-01-11 14:48 +0000
Re: I Feel Old Bob Eager <news0006@eager.cx> - 2016-01-11 17:28 +0000
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-11 19:01 -0500
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-09 07:30 -0500
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-09 16:59 -0600
Re: I Feel Old "Osmium" <r124c4u102@comcast.net> - 2016-01-07 13:13 -0600
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-07 18:55 -0600
Re: I Feel Old Huge <Huge@nowhere.much.invalid> - 2016-01-08 17:40 +0000
Re: I Feel Old mausg@mail.com - 2016-01-08 23:20 +0000
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-04 07:29 -0800
Re: I Feel Old Morten Reistad <first@last.name.invalid> - 2016-01-04 18:30 +0100
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-04 10:59 -0800
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-04 19:48 -0600
Re: I Feel Old Quadibloc <jsavard@ecn.ab.ca> - 2016-01-05 06:27 -0800
Re: I Feel Old mausg@mail.com - 2016-01-05 16:26 +0000
Re: I Feel Old Dave Garland <dave.garland@wizinfo.com> - 2016-01-05 12:27 -0600
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-05 11:08 -0800
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-04 13:14 -0600
Re: I Feel Old "Osmium" <r124c4u102@comcast.net> - 2016-01-04 14:43 -0600
Re: I Feel Old Huge <Huge@nowhere.much.invalid> - 2016-01-04 22:38 +0000
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-12 17:47 -0600
Re: I Feel Old Morten Reistad <first@last.name.invalid> - 2016-01-13 01:27 +0100
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-13 11:18 -0600
Re: I Feel Old Lawrence Statton <lawrence@senguio.mx> - 2016-01-13 19:05 -0600
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-13 20:22 -0600
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-14 14:09 -0600
Re: I Feel Old jmfbahciv <See.above@aol.com> - 2016-01-15 14:51 +0000
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-15 09:48 -0600
Re: I Feel Old Morten Reistad <first@last.name.invalid> - 2016-01-15 17:26 +0100
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-15 13:19 -0600
Re: I Feel Old Anne & Lynn Wheeler <lynn@garlic.com> - 2016-01-15 09:20 -0800
Re: I Feel Old Andrew Swallow <am.swallow@btinternet.com> - 2016-01-15 17:44 +0000
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-15 12:57 -0600
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-19 12:42 -0800
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-19 15:27 -0600
Re: I Feel Old Morten Reistad <first@last.name.invalid> - 2016-01-15 19:15 +0100
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-15 13:44 -0600
Re: I Feel Old "Osmium" <r124c4u102@comcast.net> - 2016-01-15 15:02 -0600
Re: I Feel Old "jack" <jkl8976@nospam.com> - 2016-01-16 08:58 +1100
Re: I Feel Old Morten Reistad <first@last.name.invalid> - 2016-01-15 23:51 +0100
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-17 16:01 -0600
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-15 17:11 -0600
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-16 08:03 -0500
Re: I Feel Old "Osmium" <r124c4u102@comcast.net> - 2016-01-16 08:29 -0600
Re: I Feel Old "jack" <jkl8976@nospam.com> - 2016-01-17 03:38 +1100
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-16 15:32 -0500
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-16 16:59 -0600
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-16 16:45 -0600
Re: I Feel Old Andrew Swallow <am.swallow@btinternet.com> - 2016-01-17 02:11 +0000
Re: I Feel Old "jack" <jkl8976@nospam.com> - 2016-01-17 14:02 +1100
Re: I Feel Old Andrew Swallow <am.swallow@btinternet.com> - 2016-01-17 14:22 +0000
Re: I Feel Old "jack" <jkl8976@nospam.com> - 2016-01-18 05:09 +1100
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-17 15:00 -0600
Re: I Feel Old Andrew Swallow <am.swallow@btinternet.com> - 2016-01-18 03:59 +0000
Re: I Feel Old Morten Reistad <first@last.name.invalid> - 2016-01-16 16:15 +0100
Re: I Feel Old mausg@mail.com - 2016-01-17 11:39 +0000
Re: I Feel Old "jack" <jkl8976@nospam.com> - 2016-01-18 04:41 +1100
Re: I Feel Old mausg@mail.com - 2016-01-16 16:33 +0000
Re: I Feel Old "Osmium" <r124c4u102@comcast.net> - 2016-01-16 11:19 -0600
Re: I Feel Old mausg@mail.com - 2016-01-16 18:36 +0000
Re: I Feel Old Michael Black <et472@ncf.ca> - 2016-01-16 17:23 -0500
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-16 13:01 -0500
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-16 20:55 +0000
Re: I Feel Old Gene Wirchenko <genew@telus.net> - 2016-01-16 14:53 -0800
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-17 05:43 +0000
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-16 19:50 -0500
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-17 09:22 -0500
Re: I Feel Old Andrew Swallow <am.swallow@btinternet.com> - 2016-01-17 14:33 +0000
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-17 15:19 +0000
Re: I Feel Old Andrew Swallow <am.swallow@btinternet.com> - 2016-01-17 19:27 +0000
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-17 15:00 +0000
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-16 15:32 -0500
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-16 22:49 -0600
Re: I Feel Old "jack" <jkl8976@nospam.com> - 2016-01-17 16:12 +1100
Re: I Feel Old mausg@mail.com - 2016-01-17 11:32 +0000
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-17 12:06 +0000
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-17 09:22 -0500
Re: I Feel Old Dan Espen <despen@verizon.net> - 2016-01-17 10:05 -0500
Re: I Feel Old jmfbahciv <See.above@aol.com> - 2016-01-17 15:26 +0000
Re: I Feel Old "Rod Speed" <rod.speed.aaa@gmail.com> - 2016-01-18 05:14 +1100
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-17 15:38 -0600
Re: I Feel Old jmfbahciv <See.above@aol.com> - 2016-01-16 14:09 +0000
Re: I Feel Old Morten Reistad <first@last.name.invalid> - 2016-01-16 15:19 +0100
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-15 19:29 +0000
Re: I Feel Old Anne & Lynn Wheeler <lynn@garlic.com> - 2016-01-15 14:25 -0800
Re: I Feel Old "jack" <jkl8976@nospam.com> - 2016-01-14 13:46 +1100
Re: I Feel Old Morten Reistad <first@last.name.invalid> - 2016-01-14 05:17 +0100
Re: I Feel Old Dave Garland <dave.garland@wizinfo.com> - 2016-01-14 13:11 -0600
Re: I Feel Old Huge <Huge@nowhere.much.invalid> - 2016-01-04 22:37 +0000
Re: I Feel Old Mike Spencer <mds@bogus.nodomain.nowhere> - 2016-01-05 04:44 -0400
Re: I Feel Old Charlie Gibbs <cgibbs@kltpzyxm.invalid> - 2016-01-05 18:46 +0000
Re: I Feel Old mausg@mail.com - 2016-01-05 11:06 +0000
Re: I Feel Old Charlie Gibbs <cgibbs@kltpzyxm.invalid> - 2016-01-05 18:46 +0000
Re: I Feel Old Stephen Sprunk <stephen@sprunk.org> - 2016-01-04 17:04 -0600
Re: I Feel Old Anne & Lynn Wheeler <lynn@garlic.com> - 2016-01-04 17:36 -0800
Re: I Feel Old jmfbahciv <See.above@aol.com> - 2016-01-02 15:01 +0000
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-02 15:58 +0000
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-04 06:40 -0500
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-04 12:31 +0000
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-04 22:06 -0500
Re: I Feel Old "Rod Speed" <rod.speed.aaa@gmail.com> - 2016-01-03 07:09 +1100
Re: I Feel Old Uncle Steve <stevet810@gmail.com> - 2016-01-03 12:11 -0500
Re: I Feel Old Quadibloc <jsavard@ecn.ab.ca> - 2016-01-03 20:42 -0800
Re: I Feel Old "jack" <jkl8976@nospam.com> - 2016-01-04 16:43 +1100
Re: I Feel Old Uncle Steve <stevet810@gmail.com> - 2016-01-05 22:05 -0500
Re: I Feel Old Morten Reistad <first@last.name.invalid> - 2016-01-04 18:21 +0100
Re: I Feel Old Charlie Gibbs <cgibbs@kltpzyxm.invalid> - 2016-01-04 17:47 +0000
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-04 16:10 -0500
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-04 13:26 -0800
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-04 21:57 -0500
Re: I Feel Old Uncle Steve <stevet810@gmail.com> - 2016-01-06 19:46 -0500
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-07 12:04 -0500
Re: I Feel Old Charlie Gibbs <cgibbs@kltpzyxm.invalid> - 2016-01-07 17:36 +0000
Re: I Feel Old Dave Garland <dave.garland@wizinfo.com> - 2016-01-07 13:43 -0600
Re: I Feel Old "879" <879@nospam.com> - 2016-01-08 15:35 +1100
Re: I Feel Old Dave Garland <dave.garland@wizinfo.com> - 2016-01-08 00:15 -0600
Re: I Feel Old "879" <879@nospam.com> - 2016-01-08 19:41 +1100
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-07 12:44 -0800
Re: I Feel Old mausg@mail.com - 2016-01-07 21:32 +0000
Re: I Feel Old "Charles Richmond" <numerist@aquaporin4.com> - 2016-01-05 14:51 -0600
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-05 12:59 -0800
Re: I Feel Old Charlie Gibbs <cgibbs@kltpzyxm.invalid> - 2016-01-05 22:17 +0000
Re: I Feel Old "Charles Richmond" <numerist@aquaporin4.com> - 2016-01-08 14:35 -0600
Re: I Feel Old Charlie Gibbs <cgibbs@kltpzyxm.invalid> - 2016-01-05 22:17 +0000
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-05 19:24 -0500
Re: I Feel Old Quadibloc <jsavard@ecn.ab.ca> - 2016-01-05 17:31 -0800
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-06 07:38 +0000
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-06 06:50 -0500
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-06 13:26 +0000
Re: I Feel Old Quadibloc <jsavard@ecn.ab.ca> - 2016-01-06 05:49 -0800
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-06 14:32 +0000
Re: I Feel Old Quadibloc <jsavard@ecn.ab.ca> - 2016-01-06 07:13 -0800
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-06 16:08 +0000
Re: I Feel Old "Charles Richmond" <numerist@aquaporin4.com> - 2016-01-08 14:39 -0600
Re: I Feel Old Lawrence Statton <lawrence@senguio.mx> - 2016-01-06 09:14 -0600
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-06 10:22 -0500
Re: I Feel Old "Charles Richmond" <numerist@aquaporin4.com> - 2016-01-15 17:45 -0600
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-06 18:42 -0500
Re: I Feel Old Andrew Swallow <am.swallow@btinternet.com> - 2016-01-06 14:20 +0000
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-06 14:34 +0000
Re: I Feel Old Andrew Swallow <am.swallow@btinternet.com> - 2016-01-06 19:52 +0000
Re: I Feel Old Quadibloc <jsavard@ecn.ab.ca> - 2016-01-06 12:35 -0800
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-06 20:54 +0000
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-06 18:44 -0500
Re: I Feel Old Andrew Swallow <am.swallow@btinternet.com> - 2016-01-06 23:48 +0000
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-06 19:38 -0500
Re: I Feel Old Andrew Swallow <am.swallow@btinternet.com> - 2016-01-07 07:46 +0000
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-07 06:44 -0500
Re: I Feel Old Gene Wirchenko <genew@telus.net> - 2016-01-09 21:47 -0800
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-10 05:45 -0500
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-10 12:18 +0000
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-10 08:12 -0500
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-10 13:40 +0000
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-07 12:04 -0500
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-07 08:15 +0000
Re: I Feel Old Quadibloc <jsavard@ecn.ab.ca> - 2016-01-06 05:48 -0800
Re: I Feel Old Dan Espen <despen@verizon.net> - 2016-01-06 11:29 -0500
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-06 10:20 -0800
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-05 20:52 -0500
Re: I Feel Old Peter Flass <peter_flass@yahoo.com> - 2016-01-06 06:54 -0500
Re: I Feel Old Dan Espen <despen@verizon.net> - 2016-01-06 11:34 -0500
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-06 18:40 -0500
Re: I Feel Old "J. Clarke" <j.clarke.873638@gmail.com> - 2016-01-06 18:39 -0500
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-06 10:22 -0800
Re: I Feel Old "Charles Richmond" <numerist@aquaporin4.com> - 2016-01-15 17:43 -0600
Re: I Feel Old JimP <solosam90@gmail.com> - 2016-01-18 20:13 -0600
Re: I Feel Old Dan Espen <despen@verizon.net> - 2016-01-06 11:26 -0500
Re: I Feel Old "Charles Richmond" <numerist@aquaporin4.com> - 2016-01-08 14:37 -0600
Re: I Feel Old mausg@mail.com - 2016-01-08 23:25 +0000
Re: I Feel Old Freddy1 <something@something.com> - 2016-01-02 21:35 -0500
Re: I Feel Old Charlie Gibbs <cgibbs@kltpzyxm.invalid> - 2016-01-03 05:34 +0000
Re: I Feel Old Ahem A Rivet's Shot <steveo@eircom.net> - 2016-01-03 08:33 +0000
Re: I Feel Old Freddy1 <something@something.com> - 2016-01-03 15:17 -0500
Re: I Feel Old Gene Wirchenko <genew@telus.net> - 2016-01-03 20:52 -0800
Re: I Feel Old Quadibloc <jsavard@ecn.ab.ca> - 2016-01-04 05:09 -0800
Re: I Feel Old "Charles Richmond" <numerist@aquaporin4.com> - 2016-01-05 14:57 -0600
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-01 20:46 -0800
Re: I Feel Old Bob Martin <bob.martin@excite.com> - 2016-01-02 07:00 +0000
Re: I Feel Old Louis Krupp <lkrupp@nospam.pssw.com.invalid> - 2016-01-02 01:44 -0700
Re: I Feel Old hancock4@bbs.cpcn.com - 2016-01-02 13:46 -0800
Re: I Feel Old Anne & Lynn Wheeler <lynn@garlic.com> - 2016-01-02 09:11 -0800
Re: I Feel Old Jon Elson <elson@pico-systems.com> - 2016-01-02 11:49 -0600
Re: I Feel Old John Garza <john@127.0.0.1> - 2016-01-03 08:14 -0600
Re: I Feel Old mausg@mail.com - 2016-01-03 17:11 +0000
csiph-web