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The claim had been made and it continues to be made that a 4% withdrawal rate was always safe (that's right: 100% safe) when using a portfolio of 74% (or something close) stocks as represented by the S&P500 index and commercial paper. Allowances are made for unlikely exceptions such as having a...

Petey,
Do you have more info on teh ICEbonds? What's the yield? Currency? Where can you buy them?

Thanks,

Beachbumz

Hocus, you failed to mention that the thread was started by a person requesting that Dory36 ban you. It's past time to stop this nonsense.

Ah yes - The SWAG. Wether Bogle's method(one I like) or some of the methods employed here - we all have a future SWR either consiously or subconsiously in the way we have deployed our retirement assets. We have what we HOPE is a future SafeWR! :lol: I really like your plan at your age Unclemick, I'...

I accumulated $700,000 in assets in nine years so that I could pursue my L:ife Project of helping aspiring early retirees win financial freedom early in life. I intend to continue doing just that. A good cause for sure Hocus! I accumulated 1.5 million in 7 years so I could enjoy life! :D The Salary...

Ran the numbers on Vanguard's site for fixed, no inflation adjustment if I converted 750k of IRA - came out ballpark 7.5% or 56k or 4666/mo. for age 62, single male. In the example I used: 750k IRA, 150k stocks, 100k timberland, 1200/mo early SS. So if the stocks, SS, and timberland were considered...

This thread contains the text of the deleted SalaryGuru post, my explanation of why I deleted it, and some community comment on the decision: http://nofeeboards.com/boards/viewtopic.php?t=2636 Thank you for the link Hocus. Quite honestly, (and not to bring up old news, but I wasn't here 9 months ag...

He is a stock market gambler. So is intercst. Intercst is a gambler who got lucky and who let it go to his head. Hi Hocus! I agree that Tony2002 is 'gambling' with a small percentage of his portfolio my swing or day trading. I am guilty of this as well, it keeps my adrenaline level up. :D I disagre...

There is a need at the other forum for a descriptive reference of the Data-Based SWR Tool. Here it is. Read my thread SWR as a Tool dated Mon Jun 14, 2004. http://nofeeboards.com/boards/viewtopic.php?t=2607 Have fun. John R. I noticed there were some good debates going on in this thread between JWR...

Hi Unclemick! People interested in annuities may also want to check out Berkshire Hathaway, they have some pretty competitive (with V*) over there. I think the lower cost annuities becomes a more viable option the older you are, of course that's JMHO, but if you want the security of knowing how much...

Hi Unclemick! Unclemick's iron clad theorm ( with some minor credit to Ben Graham). When the Dow Jones yield is at 4% - you should own about 50% stocks. At around 2% - 25% stocks and north of 6% about 75% max. Never 100%. If I'm wrong - I'll buy you a cup of coffee in twenty years. Of course I'm not...

Thanks for the replies, but I'm not sure I got the answer to my question (I'm not even sure there is one). Let me put it another way: My understanding is that you (Hocus) believe that we are in a period of high valuations. It's not my intention to argue that point, but let's just suppose that, in 30...

If I understand this 'valuation' based SWR theory, then Hocus and perhaps others are waiting for lower valuations to enter the equities market. (If that's not correct, please let me know.) What happens to the FSWR if there is a shift in 'normal' valuation? Let's say, pe's get down to 10, but that th...

ElSupremo wrote: Greetings Beachbumz :)

I just thought I'd let you know we now have a gambling board.

:lol::lol::lol::lol:

A better way to change things would be if you focus on the things you do well; freedom/saving Etc. and leave the Intercst issue alone. I know you can't :wink :so just consider it my 2 cents worth. :D I'll second that one! I couldn't have said it better myself. Beachbumz 8)

What have you done Hocus to turn people to the dark side? People are scared of him, Ben. So they don't talk back to him. People are not scared of me. So they do talk back to me. I would rather see people talking back to me than see signs that people are scared of me. . This may be a revelation, but...

Hocus; you might have had a new diciple in Beachbumz - he seemed very open to your plan (as am I) but seems you managed to turn yet another potential diciple to the dark side..... One thing I am confused about here. Would (is) Intercst be Darth Vader or the evil Emperor? :? Beachbumz :twisted: &quo...

Ok, you got me, I agree now, you are NOT financially independent! Not completely so. Neither are you. I have a line in my book where I say: "There is no such thing as financial independence, at least not as the concept is conventionally understood.". I do agree that you aren't FI, but I d...

I do not understand why Hocus decides to talk negatively to poor beachbumz I believe that BeachBumz has made mistakes.. Yes, Beachbumz also believes that he made ONE mistake and it will not be repeated! I think several people have made this same mistake in the past and learned their lesson and I kn...