Search found 30 matches

by FMO
Thu Jun 10, 2004 8:51 am
Forum: Town Center
Topic: Hocus is back?!
Replies: 41
Views: 21693

I'm Outa Here

I refuse to have my board experience dominated by this crap. Thanks for the memories.
by FMO
Sun Jan 04, 2004 2:08 am
Forum: FIRE Board
Topic: Home Appreciation Rates
Replies: 13
Views: 8336

SG - I agree. They should have used 'median'. 'Average' is confusing. IIRC, the data from the OFHEO (which I think is where this data came from) tracks resales of same dwelling. FMO will know offhand. Yes, this is true. IMO this makes the OFHEO data the best available. One caveat: The OFHEO data is...
by FMO
Fri Jan 02, 2004 3:37 am
Forum: FIRE Board
Topic: Home Appreciation Rates
Replies: 13
Views: 8336

Home Appreciation Rates

See how average existing-home prices have increased where you live and compare one-, three- and five-year appreciation rates for more than 300 metropolitan areas across the United States.

http://moneycentral.msn.com/content/Banking/P70715.asp
by FMO
Sat Oct 25, 2003 10:10 am
Forum: FIRE Board
Topic: Anybody have a copy of Terhorst's "cashing in"?
Replies: 35
Views: 19594

Man, I would really love to read that book - if someone will send it to me I guarentee to send it back w. courier within 2 days of receipt with a gift from Asia. Send me a private message should anyone have it. Why not get your own? They are available used from about $10 or so: m
by FMO
Sat Oct 25, 2003 9:05 am
Forum: FIRE Board
Topic: Anybody have a copy of Terhorst's "cashing in"?
Replies: 35
Views: 19594

Re: Anybody have a copy of Terhorst's "cashing in"

I am particularly interested in page 157 due to some discussion at tmf. Maybe I'll see if I can get it by inter library loan It appears you are interested in Terhorst's "Coin Toss Law" (Theory of Diminishing Marginal Utility) From Terhorst's "Cashing in on the American Dream" &q...
by FMO
Sat Oct 25, 2003 8:22 am
Forum: FIRE Board
Topic: Anybody have a copy of Terhorst's "cashing in"?
Replies: 35
Views: 19594

Re: Anybody have a copy of Terhorst's "cashing in"

ataloss wrote: I am particularly interested in page 157 due to some discussion at tmf.

Maybe I'll see if I can get it by inter library loan



I've got it. What do you need to know?
by FMO
Sat Oct 11, 2003 12:17 pm
Forum: FIRE Board
Topic: Spread sheets for Personal Financial Planning
Replies: 18
Views: 6372

Thanks Chips for sharing your approach. I understand what you mean when you say that it is difficult to sanitize a financial spreadsheet. Most of the usefulness of such an exercise is derived from being able to incorporate specifics of your personal situation. That is why commercial software rarely ...
by FMO
Mon Sep 22, 2003 3:44 pm
Forum: FIRE Board
Topic: Spread sheets for Personal Financial Planning
Replies: 18
Views: 6372

Hi, FMO, Thanks for the comment. I know you like spread sheets as much as I do. Your most-used spread sheet addresses only the accumulation phase while mine addresses only the retirement phase. If we had one that covers both, we could address questions such as this: How should I distribute my savin...
by FMO
Mon Sep 22, 2003 3:32 pm
Forum: FIRE Board
Topic: Spread sheets for Personal Financial Planning
Replies: 18
Views: 6372

FMO, Don't you mean that following your theft (borrowed) ideas and methodologies from other wizard spreadsheet creators you'll be happy to help publish new better ideas so you can steal (borrow) those too? <cough> Did I just say that?! Petey I would consider it a mutually beneficial exchange. Actua...
by FMO
Mon Sep 22, 2003 2:51 pm
Forum: FIRE Board
Topic: Spread sheets for Personal Financial Planning
Replies: 18
Views: 6372

Hi, Mac, Ah, on the subject of a sanitized or de-personalized version of my spreadsheet. I did that once at TMF a few years back and accidentally left in some mildly personal data. Give me some time to do it again, and more completely this time. Then I can email you a copy if you first email me an ...
by FMO
Mon Sep 22, 2003 2:42 pm
Forum: FIRE Board
Topic: Spread sheets for Personal Financial Planning
Replies: 18
Views: 6372

Re: Spread sheets for Personal Financial Planning

Have any of you developed spread sheets for your personal financial planning? Do you think you might? I have had a lot of use from mine and I'd be happy to discuss the matter here with any of you. I have developed several special purpose spreadsheets but the one I use the most is very comprehensive...
by FMO
Mon Sep 01, 2003 5:11 pm
Forum: FIRE Board
Topic: Rent Versus Buy
Replies: 11
Views: 5190

therealchips writes: I seem to remember a lot of squabbling about the rent/buy decision. Your spreadsheet might help end that. I exercised it only for my own case (which includes no mortgage and no state income tax) and found the results believable. (I did not check your computational formulas.) Th...
by FMO
Sun Aug 31, 2003 3:47 pm
Forum: FIRE Board
Topic: Rent Versus Buy
Replies: 11
Views: 5190

Rent Versus Buy

Finding myself disappointed with the capabilities of various free internet rent vs. buy calculators, I decided to design my own. I believe that my spreadsheet represents a reasonable compromise between accuracy and simplicity. Both the assumptions and the calculations are plainly visible so that the...
by FMO
Sun Aug 03, 2003 12:23 pm
Forum: SWR Research Group
Topic: Safe Withdrawal Rate versus P/E10 Data
Replies: 70
Views: 33980

The reaction to my claims tells the story. The reation tells you that I was (and am) saying something new. I am playing a leadership role on this matter. Leadership is a relationship between the leader and his or her followers. Followers are most crucial to any leadership event. If followers won't ...
by FMO
Thu Jul 31, 2003 11:16 am
Forum: SWR Research Group
Topic: Dividend Based Strategies
Replies: 4
Views: 3718

Imagine an investment which pays a dividend ranging from 6-12%, which has a long history of both the dividend and the market value appreciating at a rate equivalent to, or in excess of the general inflation rate. Imagine further that the income is partially tax-sheltered and that upon sale, the inve...
by FMO
Sat Jul 26, 2003 2:13 am
Forum: SWR Research Group
Topic: Re-investing dividends
Replies: 5
Views: 3283

Re: Re-investing dividends

Do you avoid dividends being considered new income for tax purposes if you have them automatically reinvested instead of distributed from an index fund? I'm thinking about the w/d rate and the fact that dividends paid out by companies like GE owned within the index fund would be taxed, where as if ...
by FMO
Mon Jul 14, 2003 12:49 pm
Forum: FIRE Board
Topic: Expert Agrees to Discuss SWRs on NFB Board!
Replies: 22
Views: 9549

Do you think you could add a little about Geraldine Weiss. Her books are all out of print via Amazon.com. Thanks, Petey Gladly. Geraldine Weiss is a popularizer of the theory that dividends are the single best indicator of the overall health and investment quality of a particular company. She has c...
by FMO
Sat Jul 12, 2003 10:43 am
Forum: FIRE Board
Topic: Expert Agrees to Discuss SWRs on NFB Board!
Replies: 22
Views: 9549

Great stuff hocus. I really like the graphical presentation of the data. I am personally not so interested in it's applicability to SWR determinations, but am interested in its ramifications for maximizing total return over the next 20-30 years. The data seem to say that methodologies heavily depend...
by FMO
Mon Jun 02, 2003 2:42 pm
Forum: FIRE Board
Topic: How will you use a "new/improved" swr analysis
Replies: 49
Views: 24615

In post 6650, Hocus has much confidence that an unequivocal convincing result can come from swr analysis: IMO there will never be an unequivocal result. There are too many variables. There are only opinions backed variously by calculations, simulations, models, intuition and individual personal bia...
by FMO
Mon May 26, 2003 7:02 am
Forum: FIRE Board
Topic: The Great SWR Investigation - Part 1
Replies: 125
Views: 39556

To calculate a real total return would require that you consider a host of other factors, including the degree of leverage employed, upkeep expenses and the value assigned to the shelter which an owner-occupied home provides. These things would all need to be considered in deciding whether it is a ...