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Forum: FIRE and Money 02-10-2013, 05:56 PM
Replies: 56
Views: 3,258
Posted By Cb
...

...
Forum: FIRE and Money 02-10-2013, 08:36 AM
Replies: 56
Views: 3,258
Posted By Cb
I think this piece is worth reading... ...

I think this piece is worth reading...

"Bonds promoted as offering risk-free returns are now priced to deliver return-free risk."...
Forum: FIRECalc support 12-21-2012, 03:10 PM
Replies: 5
Views: 470
Posted By Cb
I think it'd be worthwhile to indicate the span...

I think it'd be worthwhile to indicate the span of the data set used at the "top" of FIREcalc, or in the results, or both. I spent ~5 minutes looking around FIREcalc and all I saw was a Change Note...
Forum: Health and Early Retirement 10-05-2012, 08:07 AM
Replies: 7
Views: 443
Posted By Cb
I don't have any input for you with respect to...

I don't have any input for you with respect to the resistance level, but have an idea that might ease the strain on your knees.

I've got a lousy right knee, and found that my natural stroke on...
Forum: FIRE and Money 09-29-2012, 09:26 AM
Replies: 11
Views: 1,205
Posted By Cb
Yeah. Once my investment portfolio's annual...

Yeah. Once my investment portfolio's annual returns started to exceeded my salary on a regular basis I was far less inclined to go the extra mile to try to get a ~3.7% raise on an 18 month basis...
Forum: FIRE and Money 09-19-2012, 10:27 PM
Replies: 68
Views: 3,334
Posted By Cb
My most recent purchase was a 2012 Mustang GT....

My most recent purchase was a 2012 Mustang GT. There are a handful of pretty active Mustang forums, so I was able to learn about a few peculiar incentives:

- one was a $750 brochure coupon that...
Forum: FIRE and Money 07-19-2012, 06:22 AM
Replies: 43
Views: 2,762
Posted By Cb
We were born in '59 & '60. I used 75% of the...

We were born in '59 & '60. I used 75% of the SSA's estimates when I began ER planning a decade ago, but use 90% these days because we are now so close to the hands-off age of 55.

I assume 100% SS...
Forum: FIRE and Money 07-01-2012, 12:04 PM
Replies: 43
Views: 2,736
Posted By Cb
Ages 51 & 52 70% stock (1/2 Int'l), 10% CCF,...

Ages 51 & 52

70% stock (1/2 Int'l), 10% CCF, 20% TBM

I retired 6 years ago, wife retired yesterday w/ HC bennies

I'd plannd to shift another 20% to FI upon her retirement, but can't bring...
Forum: Health and Early Retirement 05-18-2012, 09:24 AM
Replies: 22
Views: 1,216
Posted By Cb
I've got a Grade IV chondral defect on the medial...

I've got a Grade IV chondral defect on the medial side and increasing wear in the other 2 compartments. My doc says that ~20 years without an ACL repair (I had a "workaround" procedure instead to...
Forum: FIRE and Money 05-11-2012, 06:50 PM
Replies: 37
Views: 2,815
Posted By Cb
Did you hold the portfolio allocation constant as...

Did you hold the portfolio allocation constant as you increased the duration, or seek an optimal Equity/FI split for each?

Cb

Edit: Doh! Just saw your reply to the earlier question. Years ago...
Forum: FIRE and Money 04-27-2012, 09:29 AM
Replies: 93
Views: 3,819
Posted By Cb
From the podcast transcript: "Guest: ...

From the podcast transcript:

"Guest: ...So, disability claims rise very rapidly when the unemployment rate rises. And we've seen a dramatic increase. So, for example in 2011 there were 2.9...
Forum: FIRE and Money 04-26-2012, 05:09 PM
Replies: 93
Views: 3,819
Posted By Cb
I found the dialogue between the Roberts & Autor...

I found the dialogue between the Roberts & Autor pretty interesting as well. I listen to Econtalk every week, and have often search the transcripts for certain exchanges later. I'm always surprised...
Forum: FIRE and Money 04-26-2012, 07:43 AM
Replies: 93
Views: 3,819
Posted By Cb
The Econtalk podcast addressed this topic...

The Econtalk podcast addressed this topic (http://www.econtalk.org/archives/2012/04/autor_on_disabi.html) last week:

David Autor (http://economics.mit.edu/faculty/dautor/index.htm) of MIT talks...
Forum: Health and Early Retirement 02-11-2012, 08:56 PM
Replies: 1
Views: 598
Posted By Cb
Thanks Ha. I'll return the favor: ...

Thanks Ha.

I'll return the favor:

Musicians Radio - Radio for musicians, by musicians (http://www.musiciansradio.com/index.php/podcasts)

This podcast seems to have died a few years ago,...
Forum: Health and Early Retirement 06-09-2011, 02:43 PM
Replies: 52
Views: 2,212
Posted By Cb
A neighbor gave me a used Weider machine many...

A neighbor gave me a used Weider machine many years ago. The padding was thin and the pivot points were simple bolts passing through drilled holes. It creaked and groaned, but never broke. I wound...
Forum: FIRE and Money 05-11-2011, 08:45 AM
Replies: 129
Views: 9,815
Posted By Cb
I say you just go with it like Rodney: ...

I say you just go with it like Rodney:

YouTube - Caddyshack - Rodney in the pro shop (http://www.youtube.com/watch?v=xI2h5FMr5Oc)
Forum: FIRE and Money 02-11-2011, 11:47 AM
Replies: 47
Views: 3,055
Posted By Cb
Ain't that the truth! Sometimes I'm almost...

Ain't that the truth!

Sometimes I'm almost persuaded by the Slice & Dicers, and think that I might shave equity volatility with broad diversification. Then I read compelling arguments for lower...
Forum: FIRE and Money 02-11-2011, 11:25 AM
Replies: 47
Views: 3,055
Posted By Cb
Portfolio A! Let's say 50/50 and 80/20...

Portfolio A!

Let's say 50/50 and 80/20 portfolios both have 2-3% 40 year failure rates at, I dunno, a 3.7% SWR. Seem reasonable?

Ninety some odd times out of a hundred, the heavier equity...
Forum: FIRE and Money 02-11-2011, 10:07 AM
Replies: 47
Views: 3,055
Posted By Cb
But that's what the chart you linked up-thread...

But that's what the chart you linked up-thread suggests...
Forum: FIRE and Money 02-11-2011, 10:06 AM
Replies: 47
Views: 3,055
Posted By Cb
For what it's worth, I left work at 47, and my...

For what it's worth, I left work at 47, and my wife is still waiting for that package at 50, so I spend very little time running 30 year scenarios. 40 year FIREcalc runs now include the late 60's...
Forum: FIRE and Money 02-11-2011, 10:03 AM
Replies: 47
Views: 3,055
Posted By Cb
The point I was trying to make is a higher equity...

The point I was trying to make is a higher equity allocation (probably - I should research this some more) shifts more of the risk toward the earlier years, when an early retiree has more options. ...
Forum: FIRE and Money 02-11-2011, 08:03 AM
Replies: 47
Views: 3,055
Posted By Cb
The disparity in the ending values of the two...

The disparity in the ending values of the two graphs (~2.5x in my 40 year runs) is so large that I don't think that comparing the "spaghetti graphs" are all that informative.

I haven't really dug...
Forum: FIRE and Money 02-10-2011, 09:04 PM
Replies: 47
Views: 3,055
Posted By Cb
If the 50% equity allocation has the same 3.8%...

If the 50% equity allocation has the same 3.8% SWR, would there not (by definition) be similar near misses that establish the 3.8% SWR?
Forum: FIRE and Money 02-09-2011, 09:12 PM
Replies: 47
Views: 3,055
Posted By Cb
You could also say that by holding less than ~80%...

You could also say that by holding less than ~80% equities you're giving up a lot of potential portfolio growth with little or no improvement in SWR.
Forum: FIRE and Money 01-30-2011, 09:44 PM
Replies: 22
Views: 1,430
Posted By Cb
I don't care for bonds as an asset class. The...

I don't care for bonds as an asset class. The thought of having hundreds of thousands tied up in an investment that barely beats inflation bothers me about as much as equity volatility bothers most...
Showing results 1 to 25 of 348

 
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