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Ben is right: it is a good question! maybe the essential question. Ben has walked you through the idea of cost of capital. Not only should it return what cash does, but it should accomodate the higher transaction costs, management expense (imputed or otherwise), lack of liquidity, and so on. On the ...

click on books or articles. From the book titled: Y: blue whales have a ten foot penis. :shock:

http://www.peterlbernsteininc.com/reads.htm

this post is a 'gold mine': It is not that I am smarter than them; I am not. Don't be so modest... It is that I have studied the data-based SWR for a far longer period of time than any of them. They will catch up with me at some point and it would not surprise me to see most of them surpass me at so...

I am saying is that a data-based SWR is a completely different animal. It is an animal not yet seen by any poster to any FIRE board other than me. this from a "cut-me-some-slack-i'm-not-a-numbers-guy" guy? :shock: why does hocus insist on injecting himself into the conversation and then w...

Mobius is a big name in EM. Came up with Templeton. Don't know about his performance in the last few years.

Still, he is a carbon based life form and not nearly as fungible as an algorithm.

sorry, not following: what is the significance to the chinese (the kidnapping thing?)?

i liked the double entendre. I think they were paying attention to one thing.

a glimpse of overseas retirement:

http://edition.cnn.com/2003/WORLD/asiap ... index.html

ataloss - be sure to include a link to the locked thread. also, please make sure there is a link to your posts, around the time preceding Ed Easterling's visit, citing evidence that hocus definitely didn't 'know it all' from the beginning. Your clarification of matters caused hocus great mortificati...

this website, along with damadoran, shiller, Campbell(?) at Duke, Fama and French's sites, Ibbotson's site, Krugman, etc. should all be required reading and included in the FAQ. of course, bylo's and gummy's, too. http://pages.stern.nyu.edu/~jmei/super/super1.html kudos to whoever brought this to ou...

the saga continues:

http://www.forbes.com/home_europe/newsw ... 90320.html

...But as raddr has stated, the huge benefit of precious metals is lack of correlation to standard portfolio assets. ... A big negative, IMO, is the lack of low cost passive alternatives, which is something I'm pretty religious about. There are also big dividend distributions for taxable accounts; ...

excellent work, raddr! great to see those materials again.

enjoy your time away.

oliver -

we've opted for number 3 - under abt $70k. the child care credit and some other stuff gets us a bit more room, iirc.

we only have 20% (less now) in tax deferred. your idea makes sense to me. doesn't lock you into SEPPs, either.

karma - congratulations on being our third female poster here! my switch was flipped by a number of events: 1. i was a school teacher for 6 years and starting to not like that profession so much. 2. we were starting to think about having kids and we wanted the option of wife staying home with kids a...

With all due respect to JWR, I wouldn't put too much faith in these switching studies. The results don't impress me much considering the risks involved. If you pick an indicator and it doesn't behave in the future as it did in the past then you're hosed. Yes, raddr, I was trying to point out that t...

an then someone said this: That means that the lower today's prices are (i.e., lower valuations), the bigger the annualized return. That relationship always holds. Along the same lines and regardless of the details , a safe withdrawal rate calculation must always favor starting out at lower valuatio...

bensolar - i missed that about all of us engaging in what should be prohibited posting practices. maybe me (:wink:) but that definitely isn't your style. hocus has his very own board. he can delete posts (and alter authorship) as he sees fit but participants can't. ataloss just pointed out how i too...

for jwr: I was just thinking that you frequently make sense to me. when you don't make sense is usually when hocus has put you in the awkward position of defending his really poorly chosen words (weird for a person who carefully chooses his words - didn't really mean it when he mocked 1HF, said radd...

ah, the irony... Now I've heard everything. This great insight comes from the same person who has incessantly accused intercst (and others) of hijacking threads and not allowing free discussion over at TMF. Sheesh. You are so insightful, raddr. no one has made the slightest attempt to hijack hocus' ...

LOL (abt hocus' thesis that his scary insights into SWRs frighten the board). I think the fact that the chicken littleism thread has hit 3k views indicates that maybe speculating about how low things will go is a major fixation here. Wasn't that the guts of my 'Q' posting? and now, from the 'ignoran...