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I gave the article a 10, although the average rating turns out to be 7. The information in it deserves to be spread far and wide as a counter to the relentless pressure to "have the latest" consumer goods now. The article makes an important point in separating equity in a personal residenc...

Correction: ENTJ's are not common at the other place. Here is the report: http://rehphome.tripod.com/mbti.html Note: I am not commandeering. How could I be when everyone is free to ignore me? :wink: I will admit that I used to take charge sometimes, but only because everyone else seemed to be hangin...

Petey and ataloss: When the subject of Myers-Briggs came up at the other place, I found and posted the URL for a free site to try out the questionaire. The Myers-Briggs sites are full of stern warnings that only a professionally trained (and paid) person can administer the test and interpret its res...

The first graph has the title "Total, Sheltered and Unsheltered Capital in 1993 Dollars." If I were doing this spreadsheet over for more general use, I'd probably break up the stash into at least three sections: Tax-deferred (i.e., classic IRA or 401(k)), Not taxable (i.e., Roth IRA), and...

Thanks, FMO. The spreadsheet begins where my accumulation phase spreadsheet leaves off at my planned retirement in 2009. My spreadsheet addresses only the distribution phase. I never developed one for the accumulation phase. Someone may write a spreadsheet that covers both the accumulation and distr...

FMO wrote Right now I am making notes, considering the design possibilities and otherwise milking the creative process of structuring my next "better than sliced bread" spreadsheet. When I started to take the personal information out of my spread sheet, it fell apart and many of the more i...

$1.3mmUS, split two ways, doesn't go as far as it used to, and Nobel prizes became taxable income for US citizens in a recent "reform". The split will be three ways.

Kramer: One of the recent discussions was about leptokurtic (yep, it was the correct word) or fat-tail distributions of stock market returns. http://arbl.cvmbs.colostate.edu/hbooks/pathphys/endocrine/bodyweight/leptin.html Leptin (from the Greek leptos, meaning thin) is a protein hormone with import...

Maybe this link will last longer: http://www.nynewsday.com/news/local/manhattan/nyc-bzecon09q3487988oct09,0,2392735.story?coll=nyc-manheadlines-manhattan Basically, he developed a way to dissect statistics by measuring factors that influenced them, then looking for relationships among those factors....

I liked the disconnect between these two: "It affords you a way to statistically and formally summarize and characterize volatility over time. The markets are very volatile, and up until Engle's model, they (researchers) knew that fact but not how to deal with it in a formal way," said Tim...

I would also like to see a finer breakdown in homeowner's equity. This data shows only two of the possibilities: the owner's equity is 100% or it isn't. I have searched for data that would say: x% of owners have equity of at least 90% but not 100%; y% have equity of at least 80% but not as much as 9...

401(k) plans have a great advantage for people who change employers several times during their working life. Having just one or two employers before retirement is becoming rare. When you move to the next employer, you can keep whatever is in the old 401(k), maybe rolling it over into your own IRA (w...

- Accepting a longest lifespan of age 100. Acknowledging that in your 80s and 90s you may spend less that in the earlier years of FIRE if only the medical costs issue can be resolved adequately. If I thought I could live to be 100 in good health, I wouldn't just accept the idea, I'd rejoice in it. ...

My pleasure. Who wouldn't want a Tyrannosaurus rex on his side?

I searched at google on this expression:

"Adjustable Rate Mortgages" interest "current balance" "original balance"

from Trex: a mortgage free homeowner who fires in 10-15 years or so from now may have an advantage depending on rates. FWIW, here is an argument for holding a mortgage, contrary to my usual statements and personal policy: If you have an assumable mortgage at, say, 6% and you sell the house at a time...

Short answer, with only me as a source: The process of amortization involves charging interest only on the current balance, not the original balance, even if the interest rate changes. Long answer: http://www.atlastitle.net/literature/Adjustable_rate_mortgage.htm Under the title "Adjustment Pro...

Most will leap onto a blanket 4% That's not all bad. If an adequate retirement stash is actually 50 or 33 times an annual retirement budget, aiming at a 25-year stash is a great start and a necessary mile stone in the accumulation phase. It's a start, in fact, that few people will achieve at any ag...

I agree with the idea of having no debt in retirement. I also agree with the suggestion in the article that credit cards be paid off every month regardless of whether the card-holder has retired. The interest rates on that debt is unconscionably high. People who take on credit-card debt to avoid red...

For those of us whose performances are not once-in-a-lifetime experiences:

"Use what talent you possess: the woods would be very silent if no birds sang except those that sang best."
-- Henry Van Dyke

Petey, Here is a way to invoke any of Excel's built in functions. While pointing your cursor to a blank cell, select Insert from the menu bar. Then choose Function from the drop down list. Select the category Financial to see the related Excel functions. An example is FV(rate,nper,pmt,pv,type) which...