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Re: Profanity, personal attacks, and disgusting ba
Old 03-12-2005, 03:32 PM   #41
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Re: Profanity, personal attacks, and disgusting ba

Hmmm, I'm not so sure that it's intercst who "doesn't like anyone reporting what Bernstein said because it makes him look bad". *For the umpteenth time on about as many message boards:
*
Bernstein believes that a 4% withdrawal from a mixed equity/bond portfolio should be about 4% of the original value adjusted for inflation or a flat 5%.
*
http://www.efficientfrontier.com/ef/998/hell.htm *
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One point cannot be made often enough -- when you retire, are you going to be withdrawing a fixed inflation adjusted amount on a regular basis, or are you going to be withdrawing a fixed percentage of your portfolio? This is not a semantic fine point. If you need a fixed amount, plan on withdrawing no more than about 4% of your starting amount in inflation adjusted terms. A fair dollop of bonds won't hurt in this situation. *
*
If you can be more flexible and spend a fixed percentage of your nest egg each year, then you can indeed keep you entire retirement stash in stocks and spend 5% annually. Just remember that your stipend will likely fluctuate wildly over the decades of your retirement. Keep a few cans of Alpo in the cupboard if you decide to go this route.
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Re: Profanity, personal attacks, and disgusting ba
Old 03-12-2005, 09:04 PM   #42
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Re: Profanity, personal attacks, and disgusting ba

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SG - I hope you realize this doesnt mean we're going to be taking warm showers together anytime real soon
I wouldn't dream of suggesting such a thing. . . I know that was a special thing for you and ed.

How about a bottle of wine and the spa?
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Re: Profanity, personal attacks, and disgusting ba
Old 03-12-2005, 09:20 PM   #43
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Re: Profanity, personal attacks, and disgusting ba

Eh, I think Ed broke up with me. :P

Can I pick the wine?

Can we dress up in our Town Sheriff outfits first?
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Re: Profanity, personal attacks, and disgusting ba
Old 03-13-2005, 02:24 AM   #44
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Re: Profanity, personal attacks, and disgusting ba

Intercst didn't publish a "Should Be" study, hyperborea. He published a "safe withdrawal rate" study. With an SWR study, you look at historical data.

On Page 234 of his book "The Four Pillars of Investing," Bernstein reports what number he got for the SWR when he looked at the historical data. The number wasn't the same one as the one intercst reports as the SWR in the study published at RetireEarlyHomePage.com. It wasn't even close.
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Re: Profanity, personal attacks, and disgusting ba
Old 03-13-2005, 09:04 AM   #45
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Re: Profanity, personal attacks, and disgusting ba

Uh oh, I think its kayak time...
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Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
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Re: Profanity, personal attacks, and disgusting ba
Old 03-13-2005, 03:23 PM   #46
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Re: Profanity, personal attacks, and disgusting ba

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Eh, I think Ed broke up with me. :P

Can I pick the wine?

Can we dress up in our Town Sheriff outfits first?

Is that YMCA I hear playing in the background?

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Re: Profanity, personal attacks, and disgusting ba
Old 03-13-2005, 05:55 PM   #47
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Re: Profanity, personal attacks, and disgusting ba

Now this is fun, no hairy sodomy, a little clean fun in the shower and spa with the occasional thumb to the eye.

Thanks!

Chris
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Re: Profanity, personal attacks, and disgusting ba
Old 03-14-2005, 08:02 AM   #48
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Re: Profanity, personal attacks, and disgusting ba

I'm glad we're back to a solid tongue in cheek pg-13 as well.

Apparently if you remove the foul mouthed, racist, misogynistic, ignorant puddin' head from the dialog it settles down
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Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
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Re: Profanity, personal attacks, and disgusting ba
Old 03-14-2005, 08:24 AM   #49
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Re: Profanity, personal attacks, and disgusting ba

Apparently if you remove the foul mouthed, racist, misogynistic, ignorant puddin' head from the dialog it settles down

I prefer Newellcr's approach to dealing with problems of this sort to yours, TH.
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Re: Profanity, personal attacks, and disgusting ba
Old 03-14-2005, 08:53 AM   #50
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Re: Profanity, personal attacks, and disgusting ba

You're wrong, TH. There are scores of posters who have expressed a desire for reasoned debate on SWRs as well as on many other topics.

You speak for TH and no one else.
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Re: Profanity, personal attacks, and disgusting ba
Old 03-14-2005, 03:15 PM   #51
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Re: Profanity, personal attacks, and disgusting ba

That's right TH you speak only for yourself while certain trolls speak for "scores of posters" - all of whom are himself or who unwittingly had portions of their postings from which carefully selected out-takes can be taken that seem to give support by avoiding the unsupportive bits.
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Re: Profanity, personal attacks, and disgusting ba
Old 03-14-2005, 04:11 PM   #52
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Re: Profanity, personal attacks, and disgusting ba

This thread reads like a soap opera...and a bad one at that.
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Re: Profanity, personal attacks, and disgusting ba
Old 03-14-2005, 04:22 PM   #53
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Re: Profanity, personal attacks, and disgusting ba

Yep

Almost as much fun as recyling dryer sheets.
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Re: Profanity, personal attacks, and disgusting ba
Old 03-15-2005, 01:27 AM   #54
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Re: Profanity, personal attacks, and disgusting ba

This thread reads like a soap opera...and a bad one at that.

It used to be a lot better. What happens is that people get in the habit of tuning in to a particular station at a particular time of day, and even when the happy pellets are not falling from the TV set anymore, they just keep on doing. "What happened to the darn happy pellets?" they wonder. But they don't always think to see if another program might be the one providing more happy pellets nowadays.

Intertia is the enemy. "Rust Never Sleeps," the man said.
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Re: Profanity, personal attacks, and disgusting ba
Old 03-15-2005, 02:57 AM   #55
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Re: Profanity, personal attacks, and disgusting ba

BORRRRRRRRRRRRing


BUM :
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Re: Profanity, personal attacks, and disgusting ba
Old 03-15-2005, 12:08 PM   #56
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Re: Profanity, personal attacks, and disgusting ba

My bunny ate the pancake and has produced some happy pellets for you, *****. Eat up. They also make you smarter and reduce trolling characteristics, so it'll be a win/win for everybody.
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Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
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Re: Profanity, personal attacks, and disgusting ba
Old 03-15-2005, 12:57 PM   #57
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Re: Profanity, personal attacks, and disgusting ba

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Is that YMCA I hear playing in the background?
Military Man / Sailor = Nords
Construction Worker = ?
Biker = John Galt
Indian = ?
Cowboy = ?
Cop = ?
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Re: Profanity, personal attacks, and disgusting ba
Old 03-15-2005, 01:22 PM   #58
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Re: Profanity, personal attacks, and disgusting ba

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Military Man / Sailor = Nords
Construction Worker = ?
Biker = John Galt
Indian = ?
Cowboy = ?
Cop = ?

Because I'm such an avid DIY'er super home project guy I'll be the gay Construction Worker...but this just pretend right?

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Re: Profanity, personal attacks, and disgusting ba
Old 03-15-2005, 01:27 PM   #59
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Re: Profanity, personal attacks, and disgusting ba

As Town Sheriff, I guess I get to be the cop? If SG wants the job, he can have it.

Now I need pictures of the village people with food on their heads...

Wheres that copy of photshop I have lying around?
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Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
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Re: Profanity, personal attacks, and disgusting ba
Old 03-16-2005, 08:59 AM   #60
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Re: Profanity, personal attacks, and disgusting ba

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As Town Sheriff, I guess I get to be the cop? *If SG wants the job, he can have it.

. . .
Well . . . it's an important role, but I'm pretty busy right now trying to balance a plate of spaghetti on my head while I construct a kayak out of dryer sheets. Hope you can handle the sheriff job without me.
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