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Very interesting thread. I like the theory behind levering up a conservative portfolio, but I'd have to think through this implementation quite a bit before doing it myself. I do have some initial questions/thoughts: 1. If I understand leveraged ETFs correctly, then the cost of the leverage must som...

I see both sides of the argument about whether an SPIA is worth it for the longevity insurance. And some of us may have large enough portfolios that this isn't really a concern (a 3% withdrawal rate is pretty safe forever). But I don't see cognitive decline mentioned in this thread , and that's what...

...you get the interest earned on 500 shares (have no idea how to calculate that or find it in our statement). I'm not 100% sure what you're trying to say here, but it sounds like you might be misunderstanding something about what happens to the interest earned. The interest will be periodically pa...

At the end of the test, there is a link to www.riskliteracy.org. At that site, they have a statistical and risk literacy test that is just two questions (which are similar to the first two questions of the OU quiz), then a results page that is identical to the one at the OU site. So I think the quiz...

Thanks, I appreciate your help. How about when you have been disabled for 5 years, then recover and go back to work full time, but are only earning half of what you were before because you took a different position, lost your share of a business, etc? You are no longer disabled but have still lost h...

You still want the partial rider. What happens when you have chronic back pain and are only working 20 hours instead of 50? You aren't totally disabled. Thanks BruDude. I found several sources (such as here and here ) that suggest I would qualify as totally disabled if I can't work full-time (I'm s...

One common distinction (I am familiar with loan disability policies) is own occupation vs any occupation. Sometimes the policy covers not being able to do your own occupation for a time (say a year) - then any occupation thereafter. Thanks for responding. Indeed, I should have mentioned that the po...

Hi Everyone, I'm looking to buy disability insurance and have a question about total vs partial (residual) disabilities. California (and possibly other states) requires that the definition of total disability includes the phrase "reasonable continuity", which I understand to mean that if you can't w...

How about giving us a couple quotes along the lines of (feel free to switch the actual age/coverage amounts to whatever matches the standard policies you offer) a) 60 year old, 5 years of coverage at 100k/year (with some adjustment) b) 60 year old couple, say 8-10 years of coverage at 100k/year (wi...

I'm not convinced that cash + IT is a proxy for ST. The definition of cash is more or less zero risk and zero return. It is inevitable that for anything that has a positive return, replacing some of it with cash will make the return worse. You've just rediscovered cash drag: cash + <anything> has l...

However, 1972-1977 are important to include since it was a bad time for longer term bonds. Cash is the closest thing to ST Treasuries, and portoflio visualizer has data for cash for the full time period, so we could compare IT Treasuries to cash ( link vs link ). IT Treasuries still come out ahead ...

Hello, Common wisdom is that Intermediate Term (IT) treasuries are better for diversifying stocks than Short Term (ST) treasuries. The resoning provided is that, when markets crash, the Fed lowers itnerest rates and ITs go up in value. However, I ran Monte Carlo simulations and it looks like (1) th...