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1670
2023 - 2024 Dallas Mavericks Season Thread - I'm watching, just like you guys
It's because Mavs fans can fuck up a wet dream. Mavs Twitter, Mavs Surly, it's all the same. Fucking hot garbage. -
4906
I'm An Alcoholic
Checking in. Unlike some heavy drinkers that show up in this forum from time to time, there's no way in hell I could stay stopped without the sober mafia of Alcoholics Anonymous. My goodness I loved drinking. I didn't want to stop. But like a punch in the face the disease made it plain that I had to choose which I loved more, drinking or breathing. Quitting is easy, and Harrison if you can abruptly put it down without difficulty then my hat is off to you. Please PM me your number if you want to talk, I love talking about recovery. -
2110
The Dallas Stars 2024 Playoffs Thread
just fucking dumbasses in the D end. whiffing on pucks, skating away from pucks, opening the 5 hole. just awful better get one back this period -
2110
The Dallas Stars 2024 Playoffs Thread
Dallas doesn't start playing tough until Game 2 in a series. -
327
All Encompassing Investment and Financial Planning Thread for the Surly 99.5%
I’m not sure what assumptions go into your Monte Carlo model but there is a massive library of data out there showing that a mix of bonds with stocks performs best on the Monte Carlo simulations. I’ve literally run hundreds of scenarios and found the same thing as a double check. To make sure we are speaking the same language, I’m talking about what percent of scenarios fail. While obviously a 90/10 portfolio will produce the best average returns over time, it will also have a higher percentage of failures. You don’t want a portfolio that has too high a percent chance of failure. How high is too high? There is a lot of debate over that. I prefer less than 10%. Once in retirement, the 60/40 portfolio is often recommended because it performs best on Monte Carlo simulations. While bonds have historically been bad the last ten years plus, right now they aren’t bad because you can get 4%+. As a counter weight to major deep stock declines that’s pretty good. Some people drop to 50/50 early in retirement to reduce sequence of returns risk. With currently elevated stock prices that’s not a bad idea.
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