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Re: 4% of what?
Old 04-02-2005, 11:32 AM   #181
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Re: 4% of what?

Exactly

If I've got it figured out - then the other guy/guys/guyette's must be wrong.

Unless - there are multiple right AND wrong solutions?

Heh, heh, heh, heh.
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Re: 4% of what?
Old 04-02-2005, 02:07 PM   #182
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Re: 4% of what?

Quote:
Just for the record-when I said I didn't think it was very prospective to discuss these complex issues, I wasn't referring to anyone's particular ideas or understanding.

I think message boards are good for statements of fact and sharing of experience- I have a *5.25% mortgage, etc. But often not so good for more complex things. If chaired PhD professors of economics and finance can't take the matter to a definite conclusion, how could we? We don't have to directly answer any questions, just whatever suits our purpose at the moment.

Can be fun, but essentially hopeless. And people do on occasion get aggressive toward one another

Mikey

Well said. I certainly feel that I have been on the receiving end of some unwanted aggression and hostility.

Petey

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Re: 4% of what?
Old 04-03-2005, 09:55 AM   #183
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Re: 4% of what?

Quote:
Really? "Unwanted"? Really?? Hmmm...

<Sure glad you didn't claim it was "unwarranted.">

BUT, me thinks thou dost protest too much.
Why would you post sooo confrontationally, if you weren't inviting some hostility??
Are you sure you weren't 'wanting' just a lil aggression and hostility??

Have a verrrry nice day!
And I see you cannot help yourself, now adding condescending to the list.

I said "unwanted", I mean unwanted. You can rewrite me if you desire or try to demonstrate a superior English capability to show other people up. That only indicates a confidence problem on your end when you feel a need to correct others each time you post. If I wanted to use "unwarranted" I would have done so.

Petey
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Re: 4% of what?
Old 04-03-2005, 01:06 PM   #184
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Re: 4% of what?

Here is a site that is very current. It takes the last 10 years and allows you to simulate different indexs and funds. Go to: http://retireearlyhomepage.com/reallife05.html for the last 10 years.I believe that the 4 % rule is of the beginning balance. Also "Buckets Of Money' book is very helpful and provides soreadsheets fir calculation.
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Re: 4% of what?
Old 04-03-2005, 03:26 PM   #185
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Re: 4% of what?

Quote:
Here is a site that is very current. It takes the last 10 years and allows you to simulate different indexs and funds. Go to: http://retireearlyhomepage.com/reallife05.html for the last 10 years.I believe that the 4 % rule is of the beginning balance. Also "Buckets Of Money' book is very helpful and provides soreadsheets fir calculation.
There are numerous problems with this page. I read it a while ago and had to shake my head.

The last decade was rather unusual in terms of returns. Taking that as a snapshot and comparing how various portfolios did is pretty much meaningless. Buffett did well because a good portion of his investments were not in the stock market. The portfolio intercst has recommended is 75% S&P 500, 25% US Bonds. This is a disaster waiting to happen and leaves you vulnerable to the whipsaw of the markets.

Petey



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Re: 4% of what?
Old 04-03-2005, 03:26 PM   #186
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Re: 4% of what?

I think hix9 has offered some remarkable insights and commentary.

I'm cross-posting this thread to the REHP forum where a dedicated team of scholars and researchers will dissect hix's thoughts in more detail.

http://www.retireearlyhomepage.com/c....pl?board=HOCO

intercst
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