Search found 231 matches

by unclemick
Wed Mar 16, 2005 5:26 am
Forum: SWR Research Group
Topic: Fixed annuities vs TIPs
Replies: 22
Views: 36148

SWR as a tool fits my truck as a better way of stating it - than the SWR tool.

The SWR as an indicator in an analylsis methodology does a better job of conveying the power and breath of the methods employed.
by unclemick
Tue Mar 15, 2005 10:22 am
Forum: SWR Research Group
Topic: Fixed annuities vs TIPs
Replies: 22
Views: 36148

Heh, heh, heh, heh

Except for some show me the data razzing on Dory's forum.

Bad!!! - I know - Puts me in the mood to work on my taxes.
by unclemick
Tue Mar 15, 2005 6:00 am
Forum: SWR Research Group
Topic: Fixed annuities vs TIPs
Replies: 22
Views: 36148

Annuities do not seem to be bound for a calm reasoned discussion of creative uses of this financial instrument. So - for me - I will leave them on the back burner - until I get - heh, heh - really old - or history future puts them above some long term trend lines to make the payout more interesting....
by unclemick
Mon Mar 14, 2005 9:32 am
Forum: SWR Research Group
Topic: Fixed annuities vs TIPs
Replies: 22
Views: 36148

Beachbumz I agree - my memory( a fragile thing) says annuities under certain conditions have appeal to the older crowd. Outside the numbers - the govt(medicaid) can only tap the income stream if you end up in a nursing home. Estate recapture laws and five year look back rules are giving trusts a har...
by unclemick
Mon Mar 14, 2005 8:09 am
Forum: SWR Research Group
Topic: Fixed annuities vs TIPs
Replies: 22
Views: 36148

Fixed annuities vs TIPs

A new cat, Tony2002, is getting the usual treatment over at Dory36's forum for doing something outside the box. My question is this -? can the SWR methodology be used to illustrate the pro's and con.'s numerically - rather than just talk/opinion. How could the problem be framed? We have TIP's data. ...
by unclemick
Fri Mar 11, 2005 2:24 pm
Forum: SWR Research Group
Topic: Valuation based SWR Question
Replies: 16
Views: 26957

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 following my ...
by unclemick
Fri Mar 11, 2005 5:01 am
Forum: SWR Research Group
Topic: Valuation based SWR Question
Replies: 16
Views: 26957

Being left handed - I would turn it around to say a methodogy of analysis techniques to provide insight into possible retirement investing options. SWR tool may be convient for posting efficiently - but in my view it is way too limiting to convey the scope of the methodogy/analytical approaches bein...
by unclemick
Fri Mar 11, 2005 4:49 am
Forum: SWR Research Group
Topic: Something to look forward to.
Replies: 25
Views: 39275

Back to being off topic: hindsight being what it is, I practiced a lot of crash dieting - which BTY didn't work for me. Financial dieting I mean - going to frugal extremes for periods of time to free up money for my next 'great' investment. DCA slow and steady, max 401k, IRA, etc - and then adjustin...
by unclemick
Fri Mar 11, 2005 4:25 am
Forum: SWR Research Group
Topic: Using both Initial and Current Valuations
Replies: 29
Views: 43558

Sometimes the best you can do is sit tight and wait. Looking over the landscape - REITs, junk bonds, emerging markets - both bonds and stocks, new commodities investment vehicles, royalty trusts, timberland, gold, etc., are areas getting fund flows of money - some will succeed and be loudly noted - ...
by unclemick
Thu Mar 10, 2005 4:18 pm
Forum: SWR Research Group
Topic: Valuation based SWR Question
Replies: 16
Views: 26957

I'm old enough to remember when 6-8% take out without touching principle (so it would grow to keep up with inflation) was considered conservative thinking. Heck - scratch the little 2000-2003 knit in the market - I could creatively extend the long term to -SWR's where you never had a chance without ...
by unclemick
Thu Mar 10, 2005 11:07 am
Forum: SWR Research Group
Topic: Something to look forward to.
Replies: 25
Views: 39275

We don't need no stinking emotional aspects! - heh,heh,heh - being human that's difficult - hopefully there will be some common sense to grasp in times of stress. Safely in the dividend strategy world might be viewed differently than some might suspect. Lets say - I have a 2.9% dividend portfolio an...
by unclemick
Thu Mar 10, 2005 7:27 am
Forum: SWR Research Group
Topic: Something to look forward to.
Replies: 25
Views: 39275

Yawn Max your 401k, IRA's and save even more if you can. Buy index funds for your age vs your tartget ER point. Don't carry a credit card balance. Emotional aspects - we don't need no stinking emotional aspects. Heh, heh, heh heh Watched Bogey and Bacall last night in Dark Passage - first movie afte...
by unclemick
Wed Mar 09, 2005 12:37 pm
Forum: SWR Research Group
Topic: Something to look forward to.
Replies: 25
Views: 39275

Yep JWR's - --'Initial and Current Valuations' thread seems to be on to something. Look forward to your general conclusions/feelings as to offense/defense for someone taking the ER leap in the current evironment. Hmmm - at a stretch - perhaps some thoughts/considerations for someone ten years or les...
by unclemick
Wed Mar 09, 2005 4:32 am
Forum: SWR Research Group
Topic: Something to look forward to.
Replies: 25
Views: 39275

3/8/05 at the close of market: A 60/40 index - Vanguard Balanced Index = 2.53% current yield. A good managed 40/60 - Vanguard Wellesley = 3.60% current yield. Yawn! RE: Soapboxes - it wouldn't surprise me if years from now it is disclosed that Intercst, Hocus, Raddr and others held secret meetings a...
by unclemick
Mon Mar 07, 2005 6:24 am
Forum: FIRE Board
Topic: Is Hocus FIREd?
Replies: 79
Views: 138415

AND, and to add yet another two cents - may your income line stay north of your expense line(ala Your Money or Your Life). Getting to grumpy old phart land - I have a tendency to give short shrift to - "touchy feely stuff." BUT - to the extent it alters 'someone's previous thinking and giv...
by unclemick
Sat Mar 05, 2005 2:13 pm
Forum: SWR Research Group
Topic: Something to look forward to.
Replies: 25
Views: 39275

Well perhaps But again - I hope the thread never forgets POGO. We can put the 'high class' behavioral finance over on the index board. Heh, heh, heh I always did best(in hindsight) when I hid from myself - aka auto DCA into stuff I 'couldn't touch' until 59 1/2. The money was 'kept in trust by a mys...
by unclemick
Sat Mar 05, 2005 5:29 am
Forum: SWR Research Group
Topic: Something to look forward to.
Replies: 25
Views: 39275

I presume we are talking the accumulation phase from the thread starter. Don't gloss over the fundamentals and repeating yourself is not a crime(remember Bogle). Live below your means. When all else fails - keep it simple. Time in the market, not market timing(with some simple twists - age and valua...
by unclemick
Thu Mar 03, 2005 5:04 am
Forum: SWR Research Group
Topic: Ben Stein short piece on the choices for retirement
Replies: 3
Views: 13565

Hmmm -on reflection - I could envision the American version being in Panama, Thailand, etc, etc - living on SS and perhaps a small pension - forced to come home to make use of Medicare. The other bugaboo would be rampant inflation like that experience by the Terhorst's in Argentina early in their ER...
by unclemick
Thu Mar 03, 2005 4:50 am
Forum: SWR Research Group
Topic: Ben Stein short piece on the choices for retirement
Replies: 3
Views: 13565

I saw the movie (PBS long ago) retired British (Colonal?) sitting in Africa in a rented mansion with a 'houseboy' to attend his every need. Forced to go back to England - ??? govt, drop in the pound???, I don't remember the details - ended up in a small flat eating canned goods.
by unclemick
Wed Mar 02, 2005 11:41 am
Forum: SWR Research Group
Topic: REHP 2005 Portfolio Update
Replies: 6
Views: 15764

Good Points Petey You reminded me of something - I believe when Buffett and Bill Gates had a televised discussion at my old alma mater, U of W, Seattle) someone asked about price to book(ala Fama and French) -- to paraphase " sometimes when you stoop over to pick up a wet cigar - what you have ...