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    Sorry to ruffle your feathers. I will cease and...

    Sorry to ruffle your feathers. I will cease and desist immediately. Just for the record, I was indeed penniless at age 42 and retired at 56 from a big bank. Most of my wealth was the result of...
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    Sorry. Thought it was germain to the thread. ...

    Sorry. Thought it was germain to the thread. if the traders stop telling us how well they are doing, and Belguy stops complaining, I promise never to mention it again.
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    My buy and hold experience is similar to Hboy43. ...

    My buy and hold experience is similar to Hboy43. I trade less than him and my total returns maybe slightly higher. Portfolio currently low 8 figures yielding a little under 4% which helps fund my...
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    Agree. the problem seems to be" created" by...

    Agree. the problem seems to be" created" by those who would benefit from the solution most-ie financial service providers. Always seems to be a survey paid for by a bank that brings the issue up. ...
  5. DDKay. Studies indicate that a more realistic...

    DDKay. Studies indicate that a more realistic SWR is 4% before tax. The problem is the time value of withdrawals. In a down market(inevitable) withdrawals kill you.
    Agree that we often focus...
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    Yes, but that is my point, if we don't adjust for...

    Yes, but that is my point, if we don't adjust for sex why should we adjust for income or anything else for that matter. Sex is a reeally significant differentiator. Not adjusting gives the wealthy...
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    Agree but there is also strong correlation...

    Agree but there is also strong correlation between longevity and physical fitness, intelligence(I believe) and probably several other factors. In fact I think longevity is probably more closely...
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    I thought some more about your post MG. Krugman...

    I thought some more about your post MG. Krugman has a knack for building an argument but his idea that extending pension start ages benefits the rich more than the poor is slippery. Why not look at...
  9. Enviable position to be in Karen. Your comment...

    Enviable position to be in Karen. Your comment re OAS points out the overly generous nature of that program.
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    That was great. Thanks for posting.

    That was great. Thanks for posting.
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    @jcdg post 34 was excellent. Very perceptive and...

    @jcdg post 34 was excellent. Very perceptive and articulate.
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    OK I deserved that-must have been a little...

    OK I deserved that-must have been a little cranky. I just find these conventional pieces of advice of limited use, although I agree they can be fun to discuss.
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    Make more money. That's very useful, along the...

    Make more money. That's very useful, along the lines of Buy low,sell high; plant your corn early; be careful, etc. Well meaning, obviously true, but not very helpful, typical of conventional...
  14. i tried to work out how a dual rail line could...

    i tried to work out how a dual rail line could move 5million bbls per day. Sounds impossible to me.
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    Obviously, their trading skills exceed their...

    Obviously, their trading skills exceed their language skills.
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