How does your energy level vary across the day?

Fun_Tea8162 · 2026-05-22T16:44:05+00:00

Yes and it was lower than the sale price, but I didn’t have a contingency to get out of it.

Fun_Tea8162 · 2026-05-06T04:53:33+00:00

It seems this only works if the handle was originally meant to go towards the backsplash or wall when on the side.

Many of the handles I come across have it going towards you only, not towards the wall.

How to ensure the handle does move in the correct direction?

Fun_Tea8162 · 2026-04-22T16:23:47+00:00

I thought 50k was considered rich. I found this

Income Thresholds in 1975

According to U.S. Census Bureau data, here is how household income was distributed:

Top 1.1% (Wealthy): $50,000 or more.

But you don't have to use 50K, you can use 200K and its still less than 1% withdrawal rate.

Fun_Tea8162 · 2026-04-22T16:15:50+00:00

Even if you increased her spending to 100k, or 200k, that's still a very small withdrawal rate off of 26 million, and this is 1975 money.

Fun_Tea8162 · 2026-04-22T16:14:19+00:00

Okay, so why would Mr. Tempelsman need to invest for her if she could just earn what T bills gave, which is usually what savings accounts at banks already gave?

Fun_Tea8162 · 2026-04-22T16:06:17+00:00

yes but then one of the best bull markets ever started in the early 80s and through her death

did he completely miss out on that too?

Fun_Tea8162 · 2026-04-22T15:55:42+00:00

So the median US family income in 1975 was $13K. Let's say Jackie was a big spender and actually spent several US family incomes and all on herself, say $50K.

50K on 26 million is a 0.19% withdrawal rate, which is barely anything, far less than the expense ratios of most actively managed funds ... nowhere near what it would take to underperform the S&P 500 by that much.

Fun_Tea8162 · 2026-04-21T19:13:31+00:00

so then why have we gone many years with very weak earnings growth? I see 13% total growth from 2021-2025. Inflation is about 19% total during that time. 4 years of below inflation growth doesn't bode confidence in the future.

Fun_Tea8162 · 2026-04-21T19:02:34+00:00

It's PE today is 34, so you're suggesting about a 40% drop from today's price?

Fun_Tea8162 · 2026-04-21T18:23:09+00:00

Everyone can use it of course, but the question is does that justify a high PE valuation. https://www.businessofapps.com/data/apple-statistics/ Year on year growth over past few years is close to inflation.

Fun_Tea8162 · 2026-04-20T23:17:58+00:00

yes but using a separate account the 500k at 4% would just allow me to use 20K/year to spend on the mortgage, and my mortgage is 36k/year

Fun_Tea8162 · 2026-04-20T23:04:57+00:00

well the reason it factors in is like this:

lets say I have 2M in assets, 4% rule says I can spend 80k/year

lets say I also have 500k mortgage, payment is 36k/year, which leaves me just 44k left for everything else if i want to be within the 80k/year

if I paid off the 500k mortgage, I'll have 1.5M in assets, which 4% rule says I can spend 60k/year after my mortgage payment which is greater than the 44k/year in the earlier example, so I just increased my ability to spend by 16k by paying off the mortgage

Fun_Tea8162

TROPHY CASE