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Old 03-31-2008, 04:16 PM   #61
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I wonder where mmnd is?.....oh, nm...my bad.
At least MMND could spell...........
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Old 03-31-2008, 04:35 PM   #62
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Back when I was in grade school I saw a movie about the Amazon River. At one point a capybara (a rodent the size of a large dog) tried to swim across a stream and was attacked by a school of piranah. The water boiled and turned red, then all was silent once more. The poor capybara had been turned into a skeleton in 30 seconds flat.

Why that memory has come to me now, 40 years later, I cannot say.
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Old 03-31-2008, 04:56 PM   #63
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Back when I was in grade school I saw a movie about the Amazon River. At one point a capybara (a rodent the size of a large dog) tried to swim across a stream and was attacked by a school of piranah. The water boiled and turned red, then all was silent once more. The poor capybara had been turned into a skeleton in 30 seconds flat.

Why that memory has come to me now, 40 years later, I cannot say.
I get the metaphor..........
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Old 03-31-2008, 06:04 PM   #64
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Old 03-31-2008, 06:48 PM   #65
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What "Wild Kingdom" didn't show you was that as he was entering the river, the capybara said

"You fish need some serious help. I have some whole life policies for yourselfs."
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Old 03-31-2008, 07:05 PM   #66
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Damn, I leave for some depressing personal issues and I miss this fabulous thread! Thanks for the cheer, and the great mental piranah pictures, y'all!

And I sure am glad I don't have any ridiculous financial advice to sell, because, gee, I still can't find my @$$ with both hands, financially speaking and wouldn't dare give advice to people who are, I dunno, a million times smarter than me, even if I did pass the damned CFP exam on the second try!

This sort of persistence is the reason they can sell the wretched insurance in the first place! Gives me the creeps and the profession a (sigh) well-deserved bad name.
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Old 03-31-2008, 08:01 PM   #67
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If you are as smart as you think (or present to the world), you would not have implemented such a policy to earn 9 basis points, nor would you be able to factor in commission as a cost to the policy holder, as the commission is not taken directly from the plolicy performance. Also 4.9% return before taxes put you behind inflation, I hope you feel good about that.
Oh wait I didn't see that Paul had the courage (or the stupidity) to pooh pooh my 4.9% annual return when my oh so brilliant CFP got me 0.9% in the same time period! What about that for keeping up with inflation genius! And even better you blame the clients's lack of intelligence for following the advice of a CFP, somebody just like you, promising 10-12% annual returns? What a gem! In fact you suggest that it would be stupid for a client to take the advice of a CFP at face value. Well, now it looks like we agree on one thing.

For your information I feel a lot better about earning 4.9% than about earning 0.9%. Wouldn't you? Maybe you can't see the difference... But hey genius what was YOUR annual rate of return since 2001? I bet you beat the market every single year right?

And finally, before insulting my intelligence, please present to the board your credentials. What degrees did you get before taking the CFP exam? Because unless you have a PhD, you should think twice about comparing your intelligence to mine mister. For you it's Dr. FIREdreamer. Unbelievable.
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Old 03-31-2008, 08:04 PM   #68
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Paul has left the building!

I spent a lot of $ and time 40+ years ago acquiring a BS in engineering and a MBA. If I had met Paul back then I could have saved all that $ and time and let him put me into insurance. With his expert advice I could have FIREd many years earlier.

What are the odds being given in Las Vegas on Paul returning and staying with the forum? :confused:

Paul was under more fire than Hillary came under while visiting Bosnia, and that was without the BIG guns coming on line.
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Old 03-31-2008, 09:31 PM   #69
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Thread closed.

Although it was interesting...
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