Search found 231 matches

by ben
Thu Jan 13, 2005 6:02 pm
Forum: SWR Research Group
Topic: War games - 2% vs 4% today
Replies: 54
Views: 39899

Not fair to add in the part time job in the equation - the question was clear that he retired today - not that mumbo jumbo about working on the side. I agree it is a seperate option but to say someone with $500k in the bank will HAVE to have other income stream is wrong in my book. Cheers, Ben (and ...
by ben
Thu Jan 13, 2005 12:56 pm
Forum: SWR Research Group
Topic: War games - 2% vs 4% today
Replies: 54
Views: 39899

I would probably put him in a well low cost, globally well diversified portfolio of 40% global equities/10%REITs/40% global FI(Incl. TIPS) and 10% commodities/gold. The equities could have a dividend theme to them (DVY/value Etc.). The above would pay around 3% in dividends/interest and using JWR es...
by ben
Mon Jan 10, 2005 8:47 am
Forum: SWR Research Group
Topic: Intercst Article on 2% SWR
Replies: 64
Views: 53752

Hocus; sometimes I read through your entire post like this one and still don't really get what you are saying :lol: . I must be dumber than I thought! :roll:
by ben
Fri Jan 07, 2005 11:45 am
Forum: SWR Research Group
Topic: Intercst Article on 2% SWR
Replies: 64
Views: 53752

Uncle mick - what the heck IS SEC yield!? I have always presumed it means dividends/interest? The SEC part is obviously not the Securutues and Exchange commission... ---- and http://www.investopedia.com/terms/s/secyield.asp says: A standard yield calculation developed by the Securities and Exchange ...
by ben
Mon Dec 27, 2004 4:13 am
Forum: FIRE Board
Topic: Who Really "Invented" Early Retirement?
Replies: 3
Views: 10037

Hi Hocus! :D
He,he - yeah trouble maker me - am sure that everybody got that it was a joke.

Happy new year! :D
by ben
Fri Dec 24, 2004 12:16 pm
Forum: SWR Research Group
Topic: Intercst Article on 2% SWR
Replies: 64
Views: 53752

I have been looking at PFE too - could be interesting. Cheers!
by ben
Fri Dec 24, 2004 11:25 am
Forum: SWR Research Group
Topic: Intercst Article on 2% SWR
Replies: 64
Views: 53752

Fully agree JWR! :D My only addition is the feel-good factor of knowing can live of the income flow alone, it makes the FI so much more "real" to see my RE budget being paid into my broker account from that as we speak! :D Trust you are also happy with MRK come-back these days! :D Cheers! ...
by ben
Fri Dec 24, 2004 8:32 am
Forum: SWR Research Group
Topic: Intercst Article on 2% SWR
Replies: 64
Views: 53752

My current well diversified portfolio (40% global equity, 30% global FI, 20% commodities/PM, 10% REITs) pays about 3% (after 15% foreign withholding tax) in interest and dividends - I feel VERY confident that a 3% w/r from such a diversified portfolio and never selling (say of dividends drop to 2.5%...
by ben
Thu Dec 23, 2004 7:53 pm
Forum: SWR Research Group
Topic: Intercst Article on 2% SWR
Replies: 64
Views: 53752

Unclemick; I really like the idea of living of the dividends and interest of the portfolio. I believe JWR does too. Not only will the income be better protected but one also avoids selling in bad times. Finaly it has a feel-good factor that makes it easier to actually pull the string and go for FIRE...
by ben
Thu Dec 23, 2004 6:26 pm
Forum: SWR Research Group
Topic: Intercst Article on 2% SWR
Replies: 64
Views: 53752

Eh...Hocus? Was THAT your entire book? :lol: :lol:
happy holidays guys! Cheers, Ben
by ben
Tue Dec 21, 2004 3:17 pm
Forum: SWR Research Group
Topic: Demographics and Dividends
Replies: 5
Views: 6865

Good points JWR!
Happy to see MRK back at my buying price by the way - cheers! :D
by ben
Tue Dec 21, 2004 2:48 pm
Forum: FIRE Board
Topic: Housing as part of your assets
Replies: 7
Views: 13632

I naturally include my (fully paid) apartments current market value in my total net worth calculation. I do not include it in any SWR calculation as such - if I rent it out the income I get from it will naturally reduce the $ amount I need to take from my invested portfolio. If I live in it myself t...
by ben
Mon Dec 20, 2004 1:54 pm
Forum: SWR Research Group
Topic: Intercst Article on 2% SWR
Replies: 64
Views: 53752

I agree with you unclemick - a good article. Cheers!
by ben
Sun Dec 19, 2004 11:31 am
Forum: SWR Research Group
Topic: FMO Gets Hocomania!
Replies: 24
Views: 18782

Hi Hocus :D !
He,he - your constant comments on over turning Intercst is as usual cracking me up! :D :D
On the fool boards every 10th thread is about Hocomania!
by ben
Tue Dec 07, 2004 1:20 am
Forum: SWR Research Group
Topic: Hocus/others: an update on your FIRE status?
Replies: 13
Views: 14133

SOYL takes some manly guts! :D No nos needed I agree! :lol:
by ben
Mon Dec 06, 2004 5:34 pm
Forum: SWR Research Group
Topic: Hocus/others: an update on your FIRE status?
Replies: 13
Views: 14133

Guys! your stock tips are lacking badly! :D SOYL now doubled since my recommendation and am told it should hit $2 within the given year (Oct 2005). :lol: :lol:
by ben
Fri Dec 03, 2004 6:52 pm
Forum: SWR Research Group
Topic: Withdrawing 5% of the Current Balance
Replies: 5
Views: 7779

But what if one does not adjust for inflation as in the long run the value of the nest egg (of which take a flat 5%) should anyway manage to increase with inflation. - I.e the 5% should (with a lack) already correspond to more $ wne inflation increases. Cheers!
by ben
Mon Nov 29, 2004 5:48 am
Forum: SWR Research Group
Topic: Hocus/others: an update on your FIRE status?
Replies: 13
Views: 14133

He,he - Here is a hot tip: SOYL being a soil improvement company that have spotted the golf course market. A penny stock selling at 50 cents per stock! Load up the truck with this one (say $400k) and watch it double or triple++ within the next 10 months!! (at least that is what my day trader friend ...
by ben
Mon Nov 29, 2004 3:03 am
Forum: SWR Research Group
Topic: Hocus/others: an update on your FIRE status?
Replies: 13
Views: 14133

Hi Hocus :D . You did not cover the "Can you give us some status and comments on your current financial/investing status"-part. How have your cost picture remained - still a bit above budget? What have you done with CDs maturing? Any bonds maturing? Ready to pick some dividend payers Etc. ...
by ben
Sun Nov 28, 2004 3:51 am
Forum: SWR Research Group
Topic: Hocus/others: an update on your FIRE status?
Replies: 13
Views: 14133

Hocus/others: an update on your FIRE status?

Hi Hocus! :D I just re-read your "my plan" post and I think it is an interesting learning experience for the FIREes out there. Many of us (me included) use a well diversified portfolio with more equity exposure than you - so your more conservative approach (bonds/CDs/TIPs) is an alternativ...