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10-Year Annualized Returns When people talk about stock market returns, there is an ambiguity as to whether one is using real (i.e., adjusted for inflation) or nominal dollar amounts and as to whether dividends are reinvested. Optimists like to quote nominal returns. Pessimists tend to ignore...

The Three Level Concept I placed these posts originally on the FIRE board on the http://nofeeboards.com. I post them here to give you an idea of how wonderfully powerful the dory36 FIRECalc calculator is. I also wish for you to think creatively and come up with good suggestions so that dory36...