Set forth below is the text of a comment that I recently posted to the discussion thread for another blog entry at this site:

I think my neighbor’s house is 50% too high in price.  He needs to reduce his price by 50% so that I can buy it at that level.

If you know things about the house that would cause it to be valued at x and he is hiding these things from potential buyers so that he can obtain a price of 2x from them, that’s fraud.

If Greaney truly believed that his study contained a valuation adjustment, we never would have seen a single abusive post.

Rob

Set forth below is the text of a comment that I recently posted to the discussion thread for another blog entry at this site:

“ The Greaney study hasn’t been corrected to this day, Anonymous. What does that tell you?”

It means it never needed correction and that it has been explained to you well over a thousand times. It also tells us that you ignore everyone else, yet wonder why people have cut you off.

Okay, Anonymous.

I naturally wish you all the best that this life has to offer a person.

Rob

Set forth below is the text of a comment that I recently posted to the discussion thread for another blog entry at this site:

Board owners decided for themselves, just like you do, as to what they will allow or not allow on their website.  Just as you block people, they can block you.  They don’t think you are honest and have told you so.

The decisions that people make re these matters affect everyone who lives in the United States., The people of the United States have enacted laws to protect us from this sort of situation. I think we are going to find a way to get every discussion board and blog opened to honest posting re the research. I think we need to.

This situation ain’t normal. I don’t think it’s viable as a long-term proposition. Lot of people have suffered in earlier Buy-and-Hold Crises. I believe that the onset of the next crisis might soften up some of the resistance. We’ll have to wait and see to find out for sure.

I know that I can’t tell my friends that I believe that the Greaney retirement study contains a valuation adjustment. It’s just not in me. I have to hope that there will come a day when every site will be opened to honest posting, We have achieved great things before as a nation of people. I think it is entirely possible that we will do it once again.

Rob

Set forth below is the text of a comment that I recently posted to the discussion thread for another blog entry at this site:

Those were all market timing crisis.  The market timers sell off their shares and buy and holders snap them up for bargain prices.  You need to take a look at who actually owns most of the stock.

So Buy-and-Holders believe in buying more stocks when prices are low but not in buying fewer stocks when prices are high. Makes sense.

Rob

Set forth below is the text of a comment that I recently posted to the discussion thread for another blog entry at this site:

We don’t need to entertain your silly hocomania on other people’s websites.  You have your own site to say whatever you want.

I believe that we need to open every discussion board and blog on the internet to honest posting re the peer-reviewed research. I don’t see that as being even a tiny bit optional, I see it as being 100 percent imperative.

People are not naturally inclined to practicing valuation-based market timing (price discipline!). We all want something for nothing. We all love the Get Rich Quick/Buy-and-Hold stuff. The entire history of the market shows that. We suffer a horrible Buy-and-Hold Crisis and we sweat off of irrational exuberance. But time passes and we start thinking that maybe we should give the Get Rich Quick/Buy-and-Hold garbage (no market timing now!) another try. To stop bull markets from developing, we all need to work together to remind ourselves daily of the human suffering that always follows in the wake of a time when the Buy-and-Hold “strategy” is heavily promoted.

I think we can do it. I think that the fact that Shiller’s research showing that valuations affect long-term returns was awarded a Nobel prize was a very good sign. And I liked seeing thousands of our fellow community members express a desire that honest posting re the peer-reviewed research be permitted. I’m not encouraged by today’s CAPE value. That scares me. But I see more good signs than bad. I like to say that the arc of history in the personal finance field bends toward increased rationality. I think that we are in a fundamental sense a good people and that the next Buy-and-Hold Crisis may cause us to open at least one large site to honest posting. We’ll see.

My best and warmest wishes to you and yours.

Rob

Set forth below is the text of a comment that I recently posted to the discussion thread for another blog entry at this site:

People disagreeing with you is not abusive posting. You haven’t done a thing in well over 20 years to earn a dime.

The Greaney study hasn’t been corrected to this day, Anonymous. What does that tell you?

Rob

Set forth below is the text of a comment that I recently posted to the discussion thread for another blog entry at this site:

Wildly risky is what you did and continue to do.

As a society of people we need to get from where we are to where deep in our hearts we all know we need to be. How is it going to happen without some of us working up the courage to take some chances?

Today’s CAPE Value is 35. Good job, Buy-and-Holders!

Rob

Set forth below is the text of a comment that I recently posted to the discussion thread for another blog entry at this site:

4% withdrawal rate has always worked. Meanwhile, someone with no money in retirement savings by the time they are in their 60’s is always a failure.

As such, should we be worried about a bunch of rich millionaires, or should we be worried about people that are broke in their retirement years?

You should be worried about getting the numbers right in retirement studies. People use retirement studies to plan retirements.

It’s not all about turning a quick buck.

My sincere take.

Rob

Set forth below is the text of a comment that I recently posted to the discussion thread for another blog entry at this site:

“ That alone would not do it. It would cause me to experience doubts. I would explore those doubts and see what people I respected were saying about the matter.”

So you would be 45 years into your VII journey, aged 85 and broke and that still wouldn’t convince you that you were wrong and wasted all of your time…….really?????

Say that it was 1965 and someone had opposed racism for 45 years and yet he could see that racism was still a big problem and he was advised to give up the battle. In the mid-60s, major civil rights legislation was passed and a few decades later a black man was elected President of the United States. 1965 was not the time to be giving up.

The time to give up is the day that I see that there really is a valuation adjustment in the Greaney retirement study after all. That has not happened during the first 22 years of our discussions. Each day that it doesn’t happen is more reason to believe that I have been right all along — the Greaney study is in error and should have been corrected within 24 hours of the moment at which the error was brought to his attention. If we all were thinking clearly, there would not be one person encouraging Greaney to continue delaying the correction.

My sincere take. Getting the numbers right in retirement studies matters.

Rob

Set forth below is the text of a comment that I recently posted to the discussion thread for another blog entry at this site:

You haven’t done anything to earn a cent. No one has done anything to you. It is all made up. If you really wanted to post more of your opinions, you would be doing so on the largest platforms on the internet, but you can’t even lift a finger to do that. All you do it sit around and tell people what you want them to do for you and then you expect for people just to do your bidding.

Fix your own problems, Rob.

Yeah. yeah.

The Greaney study has not been corrected to this day, Today’s CAPE value is 36. Those two realities tell the tale.

Rob