Search found 435 matches

by hocus
Tue Nov 04, 2003 8:53 am
Forum: Town Center
Topic: Just my opinion.
Replies: 7
Views: 5020

I expressed my sorrow that Ken has decided to leave.

I also would view it as unfortunate if KenM elected to stop posting here. And I would like to see ataloss and wanderer resume posting here.
by hocus
Sat Nov 01, 2003 12:22 pm
Forum: SWR Research Group
Topic: Basic question about SWR
Replies: 10
Views: 6555

anyone sticking to a 4% SWR needs a warning: Danger Will Robinson, Danger! Thanks so much for saying that, NeuroFool. This is the big issue for me. I am not a numbers guy, so a lot of the language that the technical types use goes over my head. I respect them for what they do, and I appreciate what...
by hocus
Sat Nov 01, 2003 1:59 am
Forum: SWR Research Group
Topic: Basic question about SWR
Replies: 10
Views: 6555

Post subject: if you don't mind pissing him off ... you might ask about these quotes from hocus, I once asked him to show us his tool with no response. NeuroFool: The words that appear above under the heading "Post Subject" suggest to me that this is another case in which Ataloss intended...
by hocus
Fri Oct 31, 2003 12:50 pm
Forum: SWR Research Group
Topic: Basic question about SWR
Replies: 10
Views: 6555

I've always thought that SWR was a generalization, a way to let us know that a 20% withdrawal rate was stupid if you wanted to last 30 years. 10% is less stupid but still stupid. 6% is optimistic. 5%, we are in the ball park. 2%? Well, if times are really bad the next 10 years 2% may be it....I nev...
by hocus
Fri Oct 31, 2003 8:15 am
Forum: FIRE Board
Topic: I am perplexed
Replies: 31
Views: 15564

My only confusion is how to recocile apparently contrradictory statements.

If you or any other board member posts a question about this at the SWR board, I will respond there.
by hocus
Fri Oct 31, 2003 5:37 am
Forum: FIRE Board
Topic: I am perplexed
Replies: 31
Views: 15564

I have found it interesting that the mathematicians seem to see the swr idea as a rule of thumb. Some imagine much more significance. The time is not right for a discussion of the realities of SWRs at this board. That said, I would not want a statement like this to cause further confusion. It is pe...
by hocus
Tue Oct 28, 2003 3:01 am
Forum: SWR Research Group
Topic: Switching Tables with Commercial Paper
Replies: 19
Views: 7257

According to this data, younger retirees may need to reduce withdrawals below 4.7%, and keep their equities nearer to 40% in high P/E years to make the portfolio last 40 plus years. Mike: I am preparing a Chronology of the Great SWR Debate which I expect to publish next year. In it, I will identify...
by hocus
Mon Oct 27, 2003 7:14 am
Forum: FIRE Board
Topic: Anybody have a copy of Terhorst's "cashing in"?
Replies: 35
Views: 19214

I do think less of hocus' post now that I know that he did not originate the idea.

What is "the idea" of the post, in your view, raddr?
by hocus
Mon Oct 27, 2003 6:01 am
Forum: FIRE Board
Topic: Anybody have a copy of Terhorst's "cashing in"?
Replies: 35
Views: 19214

I would consider it insulting if you are alleging that jwr, gummy, radrr, etc have conducted the debate on SWRs at this board in anything other than a rational, friendly and unbiased manner. I do not believe that there is any one individual who is responsible for the board's problems. The board is ...
by hocus
Mon Oct 27, 2003 1:14 am
Forum: FIRE Board
Topic: Anybody have a copy of Terhorst's "cashing in"?
Replies: 35
Views: 19214

hocus: At some point we need to determine as a community whether I am in fact an informed and honest community member, as I say I am, or an ant at a picnic, as Ataloss says I am. We don't need to reach a consensus on that today. KenM: Why not, hocus??? Why don't you ask other members of NFB for the...
by hocus
Sun Oct 26, 2003 2:34 pm
Forum: FIRE Board
Topic: Anybody have a copy of Terhorst's "cashing in"?
Replies: 35
Views: 19214

That you are still an occaisional topic of conversation over there is true but not for the self-important reasons that you are imagining.

Do you think that intercst would accept an invitation to appear at the SWR board as our second Special Event guest?
by hocus
Sun Oct 26, 2003 11:25 am
Forum: FIRE Board
Topic: Anybody have a copy of Terhorst's "cashing in"?
Replies: 35
Views: 19214

Ps. Hocus you offered free Fool memberships to people who was not willing to cough up, but wanted to partake on the Fool boards. I would like one, so please tell me how to proceed. Ben: You need to send me your real name and your e-mail address. Motley Fool requires this information for me to set u...
by hocus
Sun Oct 26, 2003 12:49 am
Forum: FIRE Board
Topic: Anybody have a copy of Terhorst's "cashing in"?
Replies: 35
Views: 19214

ataloss indirectly called me a liar, which I do not appreciate. Everyone knows that you are not a liar, JWR1945, just as everyone knows that I am an honest and informed poster and not an ant. The driving force behind this thing, the reason why we talk about it and talk about it and never come to a ...
by hocus
Sat Oct 25, 2003 4:14 pm
Forum: FIRE Board
Topic: Anybody have a copy of Terhorst's "cashing in"?
Replies: 35
Views: 19214

JWR1945: Let's not import any more garbage from the Motley Fool. ES: I agree. Perhaps we should limit those type of posts to old classics by our current members. Just the good stuff. The "garbage" that JWR1945 refers to is not a side issue in the Great SWR Debate It is a key part of the p...
by hocus
Sat Oct 25, 2003 8:25 am
Forum: FIRE Board
Topic: Anybody have a copy of Terhorst's "cashing in"?
Replies: 35
Views: 19214

I am particularly interested in page 157 due to some discussion at tmf. This is shaping up to be the next Trial of the Century, Ataloss. So I sent a quick e-mail to Johnny Cockran to see if he is available to help out. Here's his response: If the number is really four You'll end up in the slammer f...
by hocus
Sat Oct 11, 2003 9:42 am
Forum: SWR Research Group
Topic: Juicy SWR Thread on "Early Retirement Forum"
Replies: 8
Views: 5113

I am finding that there is quite a bit worth looking into regarding Bongo2's comments. Thanks for your response, JWR1945. It turned my mood darker than it was this morning, but enhanced my understanding of the matter under examinatiion. You put forward the words-- If the S&P 500 price in real d...
by hocus
Sat Oct 11, 2003 2:05 am
Forum: SWR Research Group
Topic: Juicy SWR Thread on "Early Retirement Forum"
Replies: 8
Views: 5113

The worst period for starting retirement was not during the 1930s. It was during the 1960s. OK. But I still think that Bongo2 is making an important point. He is saying that, even though the fall in stock prices from 2000 until today has not been as great as the fall in prices in the first few year...
by hocus
Fri Oct 10, 2003 3:01 am
Forum: SWR Research Group
Topic: Juicy SWR Thread on "Early Retirement Forum"
Replies: 8
Views: 5113

Bongo2 has put up a post at the Early Retirement Forum thread linked above that is my pick for "SWR Post of the Month." It's possible that the point he is making is something that you have been aware of for some time, JWR1945, but it's not something that I have ever seen anyone focus on be...
by hocus
Thu Oct 09, 2003 12:24 pm
Forum: FIRE Board
Topic: unanswered questions
Replies: 14
Views: 4516

I recently pointed out to hocus that people were misinterpreting his use of that word. He needed to add a qualifier. He has agreed. He is now using the phrase invalid for the purpose of determining SWRs instead of using the single word invalid....If someone were to quote hocus's use of the word inv...
by hocus
Wed Oct 08, 2003 11:45 pm
Forum: FIRE Board
Topic: unanswered questions
Replies: 14
Views: 4516

Maybe someday he will tell us if there is one swr or many. If there are any community members who read this thread either now or at some later time, and have a genuine interest in knowing the answers to any of the questions posed re my views, please put up a post at the SWR board. I will respond th...