Recent content by Prometheuss

Okay, Dory, you are having too much fun here all alone. It gives you too much time to play. We need to scare up some serious posts soon! Prometheuss

I am in the camp that says that there is no right answer to this just as there is no right answer to the asset allocation question. It depends on your personal situation, outlook and values. I do agree that now is a good time to put more money into the market. I am a renter myself and I prefer...

I use a similar method for investing in the lottery. I do not buy lottery tickets msyelf, but I do keep an eye out for any winning tickets that someone might have dropped on the ground outside the 7-11 or liquor store. I figure this only lowers my odds of winning a tiny bit. ;D Prometheuss

JB posted this strategy elsewhere: To make your retirement portfolio last, follow this strategy devised by financial planner Frank Armstrong. 1. Divide your assets into three parts: cash, bonds, and stocks. 2. Keep one year's worth of living expenses in cash. That's the money you'll be...

Let me give you an example to make my post clearer. Suppose you calculate your initial required/desired retirement income/expenses at $50,000 per year and you have an inflation adjusted pension that pays $30,000 per year. You need (or hopefully just want) an additional $20,000 per year from...

I calculate the NPV of my military retirement and other anticipated defined benefit retirement plans for the purpose of estimating my net worth and putting a value on those streams of income, but I do not include them directly in Safe Withdrawal Rate calculations. Instead, I subtract this income...

Remember to take into account the effect of taxes. Mortgage interest is deductable. Selling equities might trigger more taxes now. The net effect could make taking the mortgage a better deal.

Re: Interesting study on P/E ratios & expected ret "Finally, if P/E ratios are at historically high levels, expect long-term average returns on stocks to be low but above those of long-term T-bonds and T-bills. So the best advice to give investors when P/E ratios are high could well be to...

All, A prince among men, Peter Ponzo (BASc, MA, PhD), has contributed to the world a spectacular web site ... http://home.golden.net/~pjponzo/gummy_stuff.htm ... hours of fun and enrichment! Regards, Prometheuss (Cross posted from Technical Forum - Calculators because anyone can...

LPuzzle, Congratulations on your pending retirement. I am sure that it is well deserved. How did you manage to limit your losses since March 2000 to just 9% of your total portfolio? As you sell of equities, what do you plan to buy? Regards, Prometheuss

All, A prince among men, Peter Ponzo (BASc, MA, PhD), has contributed to the world a spectacular web site ... http://home.golden.net/~pjponzo/gummy_stuff.htm ... hours of fun and enrichment! 8) Regards, Prometheuss

Hello! I am Jack. I work (if you call it work--I usually do not) in federal service for the US Army as an operations research analyst. That's a fancy name for someone who fiddles with numbers to support decision making. I live in Monterey, CA now. I retired here from the Army last year and...