Quotes of the Day

POF users who list more than ten interests see a 50-percent increase in messages. [2013] - Laurie Davis

The twenty-second to two-minute rule: When it is your turn to speak or answer a question, you should plan not to speak any longer than two minutes at a time, if you want to make the best impression. In fact, a good answer to an employer's question sometimes only takes twenty seconds to give (but not less than that). [2013] - Richard N. Bolles

Girls don't respect guys who buy them drinks. Never buy meals, drinks, or gifts for a girl you haven't slept with. [2005] - Neil Strauss

Don’t trade your opinion; trade the market. [2003] - Marcel Link

The original 4% rule (from the 1990s) assumed a 30-year retirement and a balanced portfolio of half stocks and half bonds. The 4% withdrawal rate was based on the portfolio's starting value, and it increased with inflation annually. For example, if you retired with $1 million and inflation was 2% annually, you would be withdrawing $40,000 in year one, $40,800 in year two, $41,616 in year three and so on. Using these assumptions, your chances of ruining out of money before you die were found to be very low. Unfortunately, the expected return on bonds-and probably stocks too-is much lower today than it was when the original research was done. [2021] - Dan Bortolotti