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astmod></url><url><loc>https://arichlife.passionsaving.com/2008/08/28/podcast-10-the-case-against-valuation-informed-indexing/</loc><lastmod>2008-08-27T11:29:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/08/19/my-e-mail-to-michael-kitces-director-of-financial-planning-at-pinnacle-advisory-group-inc/</loc><lastmod>2013-06-25T11:04:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/08/21/podcast-6-rob-bennett-the-reluctant-investing-expert-2/</loc><lastmod>2013-07-02T10:55:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/08/22/podcast-7-i-know-more-about-investingthan-john-bogle-and-you-can-too/</loc><lastmod>2008-08-22T17:51:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/09/09/at-this-point-its-reasoned-speculationthat-todays-retirement-advice-is-dangerous/</loc><lastmod>2013-06-24T18:01:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/09/10/i-have-hopes-that-you-might-beable-to-helpget-the-word-out/</loc><lastmod>2013-06-24T18:00:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/09/11/my-concern-of-course-would-be-for-all-thosewho-may-end-out-too-far-down-a-road-that-has-at-best-some-painful-choices-ahead/</loc><lastmod>2013-07-02T09:52:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/09/16/why-was-it-not-understood-from-the-start-that-the-swr-must-change-with-changes-in-valuations/</loc><lastmod>2013-07-02T09:52:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/08/29/a-five-part-series-on-passion-saving-it-is-a-great-book/</loc><lastmod>2013-07-02T09:54:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/09/12/podcast-11-todays-retirement-planning-tools-dont-work/</loc><lastmod>2013-07-02T09:47:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/09/19/podcast-12-the-experts-have-doubts-about-their-own-retirement-advice/</loc><lastmod>2013-07-02T09:44:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/09/17/by-definition-theres-only-one-worst-case-scenario/</loc><lastmod>2013-07-02T09:46:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/09/18/different-worst-case-scenarios-apply-at-different-valuation-levels/</loc><lastmod>2013-07-02T09:45:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/09/23/its-still-an-evolving-body-of-research/</loc><lastmod>2013-07-02T09:41:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/09/24/the-common-belief-is-that-the-studies-are-just-reporting-what-the-numbers-say/</loc><lastmod>2013-07-02T09:42:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/09/25/there-are-significant-risks-inherent-in-the-passive-investing-approach-that-are-not-understood-by-most/</loc><lastmod>2013-07-02T09:43:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/09/26/podcast-13-the-experts-dont-believe-their-own-retirement-planning-advice/</loc><lastmod>2013-07-02T09:40:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/09/30/what-we-need-to-see-is-for-all-investors-to-be-exposed-to-a-broader-range-of-viewpoints/</loc><lastmod>2013-07-02T09:39:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/01/i-still-intend-to-do-more-research-in-this-area/</loc><lastmod>2013-07-02T09:35:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/02/a-sound-methodology-would-inspire-confidence-not-defensiveness/</loc><lastmod>2013-07-02T09:38:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/07/while-most-find-it-emt-discreditedits-the-best-assumption-framework-we-have/</loc><lastmod>2013-07-01T18:06:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/08/note-the-enthusiasm-with-which-people-take-to-discussions-of-the-realities-of-investing/</loc><lastmod>2013-07-01T18:06:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/09/22/podcast-13-recessions-dont-cause-market-turmoil-market-turmoil-causes-recessions/</loc><lastmod>2013-07-02T09:44:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/09/those-who-retired-back-in-2000-may-ultimately-find-that-the-4-swr-was-still-far-too-aggressive/</loc><lastmod>2013-07-01T18:05:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/09/29/podcast-15-passive-investing-is-the-most-emotional-investing-approach-of-all-part-two/</loc><lastmod>2008-09-29T07:46:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/03/podcast-16-passive-investing-is-the-most-emotional-investing-approach-of-all-part-three/</loc><lastmod>2008-10-03T15:10:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/06/podcast-17-passive-investing-is-the-most-emotional-investing-approach-of-all-part-four/</loc><lastmod>2013-07-01T18:07:11-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/14/ill-be-very-curious-to-see-how-it-comes-out/</loc><lastmod>2013-07-01T18:01:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/15/he-explores-the-use-of-timing-strategies-to-enhance-the-safe-withdrawal-rate/</loc><lastmod>2013-07-01T18:01:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/16/im-quite-encouragedwith-john-russells-results/</loc><lastmod>2013-06-24T17:47:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/10/podcast-18-what-your-money-or-your-life-taught-me-about-investing/</loc><lastmod>2013-07-01T18:03:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/13/podcast-19-pe10-rocks/</loc><lastmod>2013-07-01T18:02:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/17/podcast-20-surviving-the-stock-crash/</loc><lastmod>2013-07-01T18:00:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/20/podcast-21-when-stock-prices-fall-where-does-the-money-go/</loc><lastmod>2013-07-01T17:59:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/21/make-waves-make-waveswe-need-more-wavemakers-in-investoworld/</loc><lastmod>2013-06-24T17:47:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/22/i-amshockedthat-you-would-say-i-don%e2%80%99t-think-we-should-warn-people-about-these-risks/</loc><lastmod>2013-06-24T17:46:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/23/i-am-unable-to-make-sense-of-your-lack-of-alarm-over-the-effectson-real-live-investors/</loc><lastmod>2013-06-24T17:45:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/24/podcast-22-are-you-woman-enoughfor-rational-investing/</loc><lastmod>2013-07-01T17:59:23-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/27/podcast-23-stock-panic/</loc><lastmod>2013-07-01T17:58:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/31/podcast-24-it-takes-a-community-to-fix-whats-wrong-with-stock-investing-today/</loc><lastmod>2008-10-22T16:28:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/28/under-a-pe10-value-of-30-i-find-it-the-old-school-swr-methodology-still-to-be-quite-analytically-valid/</loc><lastmod>2013-06-24T17:43:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/29/the-old-school-studies-have-an-extrapolation-problem-of-their-own/</loc><lastmod>2013-06-24T17:42:54-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/10/30/if-we-were-starting-with-a-clean-slateno-onewould-recommendthe-old-school-studies/</loc><lastmod>2013-06-24T17:41:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/03/podcast-25-the-only-thing-worse-than-short-term-investing/</loc><lastmod>2008-11-02T17:43:35-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/05/podcast-26-the-last-bear-market/</loc><lastmod>2008-11-05T09:31:04-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/04/it-doesn%e2%80%99t-mean-the-new-school-is-absolutely-right-and-the-old-school-should-be-summarily-dismissed/</loc><lastmod>2013-06-24T17:40:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/07/podcast-27-the-efficient-market-theory-is-a-big-bunch-of-hooey/</loc><lastmod>2013-07-01T17:57:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/10/podcast-28-common-sense-is-the-problem/</loc><lastmod>2008-11-10T07:42:31-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/12/podcast-29-is-there-an-economic-depression-in-your-future/</loc><lastmod>2008-11-11T15:31:20-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/14/podcast-30-fear-and-greed-and-hope-and-love/</loc><lastmod>2013-07-01T17:50:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/06/it-is-this-shock-that-has-caused-bengen%e2%80%99s-conversion-to-short-term-market-timing/</loc><lastmod>2013-07-31T17:51:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/11/a-lot-of-planners-are-starting-to-question-their-passive-investing-beliefs/</loc><lastmod>2013-06-24T17:38:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/13/i-see-passionsavingcom-as-the-meeting-place-for-people-losing-confidence-in-passive-investing/</loc><lastmod>2013-06-24T17:37:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/17/podcast-31-todays-understanding-of-how-investing-works-is-primitive/</loc><lastmod>2013-07-01T17:50:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/19/podcast-32-the-good-form-of-capitulation-no-depression-required/</loc><lastmod>2008-11-17T11:29:21-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/21/podcast-33-the-stock-market-is-pricing-in-a-recession-isnt-it/</loc><lastmod>2008-11-20T12:40:13-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/24/podcast-34-my-conversations-with-michael-kitces/</loc><lastmod>2013-07-01T17:47:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/26/podcast-35-greenspans-mistake/</loc><lastmod>2013-07-01T17:46:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/18/money-management-isnt-just-about-knowing-the-math-its-about-knowing-yourself/</loc><lastmod>2008-11-21T15:32:39-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/20/passion-saving-seems-to-advise-that-you-can-never-have-enough/</loc><lastmod>2013-07-01T17:47:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/01/podcast-36-is-wall-street-to-blame/</loc><lastmod>2008-11-21T10:17:56-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/03/podcast-37-the-future-of-investing-part-one/</loc><lastmod>2008-11-21T17:33:33-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/05/podcast-38-the-future-of-investing-part-two/</loc><lastmod>2008-11-21T10:37:00-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/11/25/internet-harassment-by-defenders-of-the-conventional-retirement-studies/</loc><lastmod>2013-07-01T17:49:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/02/my-e-mail-to-bill-bengen/</loc><lastmod>2013-06-24T17:33:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/04/thoseinvesting-in-equities-hold-securities-whose-future-earning-power-is-completely-unpredictable/</loc><lastmod>2013-06-24T17:32:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/08/podcast-39-the-future-of-investing-part-three/</loc><lastmod>2008-12-03T16:26:09-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/10/podcast-40-the-future-of-investing-part-four/</loc><lastmod>2008-12-03T16:24:58-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/12/podcast-41-bogle-and-valuations/</loc><lastmod>2013-07-02T09:27:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/15/podcast-42-saving-bill-bengen/</loc><lastmod>2013-07-01T17:43:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/17/podcast-43-lets-disrupt/</loc><lastmod>2008-12-17T08:52:09-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/19/podcast-44-investing-news-makes-us-dumb/</loc><lastmod>2008-12-19T09:00:57-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/22/podcast-45-i-hope-we-dont-see-a-market-recovery/</loc><lastmod>2013-07-01T17:41:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/02/24/podcast-46-investing-is-a-science-when-it-isnt-science-fiction/</loc><lastmod>2008-12-05T09:52:43-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/09/for-purposes-of-community-building-it-is-dogmatism-that-is-the-enemy-not-passive-investing/</loc><lastmod>2013-07-01T17:44:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/11/a-meeting-place-for-financial-planners-looking-for-an-alternative-to-passive-investing/</loc><lastmod>2013-06-24T17:31:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/16/im-interested-in-seeing-these-dialogues-move-forward/</loc><lastmod>2013-07-01T17:42:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/18/there-cannot-be-any-such-thing-as-an-investing-expert-until-a-general-consensus-is-reached-re-the-flaws-of-the-passive-investing-model/</loc><lastmod>2013-07-01T17:42:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/23/all-in-the-investing-field-are-struggling-to-come-to-terms-with-newly-discovered-realities-today/</loc><lastmod>2013-07-01T17:40:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2008/12/24/podcast-46-investing-is-a-science-when-its-not-science-fiction/</loc><lastmod>2008-12-22T06:08:34-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/05/podcast-47-rational-investing-its-an-attitude-not-a-program/</loc><lastmod>2013-07-01T17:40:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/06/a-large-number-of-people-will-harm-themselves-if-they-do-anything-besides-being-passive/</loc><lastmod>2013-07-01T17:39:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/07/podcast-48-capitalism-on-trial/</loc><lastmod>2009-01-06T17:32:32-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/09/podcast-49-the-road-out/</loc><lastmod>2009-01-06T17:49:51-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/12/podcast-50-in-defense-of-the-goons/</loc><lastmod>2009-01-06T18:01:19-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/14/podcast-51-retirement-planning-today-is-a-sick-joke/</loc><lastmod>2013-07-01T17:35:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/16/podcast-52-love-is-the-answer/</loc><lastmod>2013-07-01T17:35:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/19/podcast-53-what-is-rational-investing/</loc><lastmod>2013-07-01T17:35:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/21/podcast-54-does-robert-shiller-pull-his-punches/</loc><lastmod>2013-07-01T17:24:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/23/podcast-55-the-internet-changes-everything/</loc><lastmod>2009-01-07T17:00:20-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/26/podcast-56-time-is-not-a-four-letter-word/</loc><lastmod>2013-07-01T17:23:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/28/podcast-57-buffett-is-the-scarecrow-shiller-is-the-tin-man-bogle-is-the-cowardly-lion/</loc><lastmod>2013-07-01T17:21:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/30/podecast-58-evolution-environmentalism-and-other-investing-topics/</loc><lastmod>2009-01-27T15:30:04-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/08/no-one-can-attain-true-expertise-because-of-the-taboo-on-pointing-out-the-flaws-of-passive-investing/</loc><lastmod>2013-07-01T17:37:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/13/an-attitude-born-of-a-profession-that-found-much-of-its-early-growth-in-the-middle-of-the-1982-1999-era/</loc><lastmod>2013-07-01T17:36:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/15/just-how-bad-would-things-have-to-get-before-you-guys-changed-your-advice/</loc><lastmod>2013-06-24T17:26:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/20/have-we-been-sold-a-bunch-of-lies/</loc><lastmod>2013-07-01T17:25:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/22/my-e-mail-to-the-virginia-police-re-the-campaign-of-terror-against-our-board-communities/</loc><lastmod>2013-07-01T17:34:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/27/i-want-to-launch-an-effort-to-publicize-the-ideas-on-the-internet/</loc><lastmod>2013-07-02T09:25:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/01/29/it-is-the-result-of-a-mistake-not-a-lie/</loc><lastmod>2013-07-02T09:24:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/02/podcast-59-the-politics-of-investing/</loc><lastmod>2013-07-02T09:34:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/04/podcast-60-stock-cycles/</loc><lastmod>2013-07-01T17:19:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/06/podcast-61-dont-get-sad-dont-get-angry-get-smart/</loc><lastmod>2013-07-01T17:17:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/03/dont-give-up-on-stocks/</loc><lastmod>2013-07-18T17:32:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/05/the-right-of-contributors-to-post-their-sincere-views-must-be-respected/</loc><lastmod>2013-07-01T17:18:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/09/podcast-62-how-obama-might-change-the-history-of-investing/</loc><lastmod>2009-02-03T17:10:58-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/11/podcast-63-investing-ethics-an-oxymoron/</loc><lastmod>2009-02-03T16:59:42-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/13/podcast-64-money-magazine-is-asked-just-how-bad-would-it-have-to-get/</loc><lastmod>2013-07-01T17:16:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/16/podcast-65-the-stock-market-is-the-respectable-ponzi-scheme/</loc><lastmod>2013-07-01T17:14:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/18/podcast-66-bogle-on-minsky-we-have-met-the-market-and-it-is-us/</loc><lastmod>2013-07-01T17:12:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/20/podcast-67-valuations-dont-matter-then-they-do-then-they-dont/</loc><lastmod>2013-07-01T17:08:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/23/podcast-68-2008-was-a-very-good-year-for-stock-investors/</loc><lastmod>2009-02-23T08:04:53-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/25/podcast-69-beyond-valuations/</loc><lastmod>2009-02-24T18:28:01-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/27/podcast-70-reversion-to-the-mean-we-are-losing-sight-of-what-bogle-got-right/</loc><lastmod>2009-02-27T08:12:17-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/10/this-is-all-upside-and-zero-downside/</loc><lastmod>2013-07-01T17:16:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/03/we-need-to-stop-worrying-about-who-is-an-expert-and-try-figuring-out-what-makes-sense/</loc><lastmod>2013-07-01T17:07:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/17/rational-investors-do-not-become-permabears/</loc><lastmod>2013-07-01T17:13:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/19/we-need-to-become-more-comfortable-mixing-the-two-types-of-analysis-statistical-and-psychological/</loc><lastmod>2009-02-04T17:41:05-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/24/tips-are-the-most-predictable-asset-class-i-can-think-of/</loc><lastmod>2009-02-24T13:43:56-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/12/its-informative-its-based-on-solid-data-and-it-provides-useful-results/</loc><lastmod>2013-07-01T17:15:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/02/podcast-71-the-bull-market-started-in-1975-not-1982/</loc><lastmod>2013-07-01T17:07:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/04/podcast-72-when-stock-losses-are-true-losses-and-when-they-are-not/</loc><lastmod>2013-07-01T17:06:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/06/podcast-73-its-not-a-conspiracy-its-cognitive-dissonance/</loc><lastmod>2009-03-06T07:28:03-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/09/podcast-74-its-not-the-economy-stupid/</loc><lastmod>2009-03-07T16:54:34-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/11/podcast-75-they-used-our-natural-risk-aversion-against-us/</loc><lastmod>2013-07-01T17:04:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/13/podcast-76-the-stock-selling-industry/</loc><lastmod>2013-07-01T17:04:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/16/podcast-77-stock-picking-works/</loc><lastmod>2013-07-01T17:04:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/18/podcast-78-predicting-the-stock-crash-12-years-too-soon/</loc><lastmod>2013-07-01T17:02:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/20/podcast-79-what-should-you-invest-in-when-you-arent-investing-in-stocks/</loc><lastmod>2013-07-01T17:01:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/23/podcast-80-there-is-no-free-lunch-or-is-there/</loc><lastmod>2013-07-01T17:01:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/25/podcast-81-why-stocks-let-you-down-and-how-to-make-sure-it-never-happens-again/</loc><lastmod>2013-07-01T17:00:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/27/podcast-82-how-could-so-many-have-been-so-wrong-for-so-long/</loc><lastmod>2013-07-01T16:59:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/30/podcast-83-jeremy-grantham-tells-the-truth-straight-no-chaser-about-stock-investing/</loc><lastmod>2013-07-01T16:58:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/01/podcast-84-liberals-both-love-and-hate-rational-investing-and-its-the-same-with-conservatives/</loc><lastmod>2013-07-01T16:57:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/03/podcast-85-the-culture-wars-invade-investoworld/</loc><lastmod>2013-07-01T17:03:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/06/podcast-86-the-economic-stimulus-is-a-sideshow/</loc><lastmod>2009-03-22T18:07:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/08/podcast-87-fear-of-litigation-caused-our-economic-crisis/</loc><lastmod>2009-03-22T18:08:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/10/podcast-88-predicting-presidential-success-using-pe10/</loc><lastmod>2013-07-01T16:55:11-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/13/podcast-89-the-equity-risk-premium-explained-perhaps/</loc><lastmod>2013-07-01T16:54:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/15/podcast-90-irrational-exuberance-explains-it-all/</loc><lastmod>2013-07-01T16:51:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/17/podcast-91-blame-it-on-ayn-rand-blame-it-on-the-libertarians/</loc><lastmod>2013-07-01T16:49:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/20/podcast-92-how-come-whatever-you-decide-to-do-turns-out-to-be-wrong/</loc><lastmod>2013-07-02T09:33:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/22/podcast-93-rational-man-loses-it/</loc><lastmod>2013-07-02T15:12:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/24/podcast-94-shillers-fix-government-subsidies-for-the-financial-education-of-middle-class-investors/</loc><lastmod>2013-07-02T15:09:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/27/podcast-95-risk-tolerance-in-the-real-world/</loc><lastmod>2013-07-02T15:08:11-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/29/podcast-96-its-all-schroeders-fault/</loc><lastmod>2013-07-02T15:06:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/01/podcast-97-its-not-william-bernstein-vs-rob-bennett-its-william-bernstein-vs-william-bernstein/</loc><lastmod>2013-07-02T14:57:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/02/26/vehement-denial-is-common-among-both-drunks-and-passive-investors/</loc><lastmod>2009-02-26T08:14:11-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/05/suggesting-that-the-safe-withdrawal-rate-is-low-today-just-adds-to-the-doom-and-gloom/</loc><lastmod>2013-07-01T17:06:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/10/the-delete-button/</loc><lastmod>2013-07-01T17:05:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/12/the-prospector-would-still-be-at-that-same-spot-still-digging-with-his-even-more-callused-fingers/</loc><lastmod>2009-03-12T14:44:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/17/do-we-like-what-comes-from-telling-lies-to-ourselves-re-what-our-stock-portfolios-are-worth/</loc><lastmod>2009-03-17T10:26:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/19/most-of-us-don%e2%80%99t-know-enough-to-distinguish-real-science-from-pseudo-science/</loc><lastmod>2013-07-01T17:02:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/31/the-curse-of-pretend-money/</loc><lastmod>2013-07-01T16:58:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/26/i-learned-how-to-invest-by-learning-how-to-save/</loc><lastmod>2013-07-18T17:31:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/03/24/the-investment-strategy-tester-is-here/</loc><lastmod>2013-07-01T17:00:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/09/god-wants-to-steer-us-in-the-right-direction-by-insisting-we-follow-his-ten-helpful-suggestions/</loc><lastmod>2009-04-01T17:39:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/07/the-more-you-know-about-investing-the-less-you-know-about-investing/</loc><lastmod>2013-07-18T17:31:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/02/seven-things-you-didnt-know-about-rob-bennett/</loc><lastmod>2009-04-02T10:07:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/14/timing-doesnt-work-does-it/</loc><lastmod>2013-07-01T16:53:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/16/only-you-can-prevent-forest-fires-and-bull-markets/</loc><lastmod>2013-07-01T16:50:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/21/those-who-lowered-their-allocations-when-we-got-to-a-pe10-of-25-missed-out-on-five-good-years/</loc><lastmod>2009-04-09T15:40:23-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/23/dogma-is-the-enemy-of-the-middle-class-investor/</loc><lastmod>2009-04-09T17:42:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/28/passive-investing-is-an-extremist-strategy/</loc><lastmod>2013-07-02T15:06:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/04/podcast-98-are-bubbles-inevitable/</loc><lastmod>2009-04-30T17:17:37-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/06/podcast-99-dumb-is-smart-i-dont-know-is-powerful/</loc><lastmod>2013-07-02T14:56:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/08/podcast-100-you-wont-believe-the-truth-about-stock-investing-until-youve-heard-it-5000-times/</loc><lastmod>2013-07-02T14:55:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/11/podcast-101-confidence-limits-logic-chains-and-emotion-waves/</loc><lastmod>2013-07-02T14:55:37-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/13/podcast-102-financial-responsibility-breaks-down-when-passive-investment-becomes-popular/</loc><lastmod>2009-05-13T09:15:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/15/podcast-103-cash-on-the-sidelines-often-disappears-into-nothingness/</loc><lastmod>2013-07-02T14:54:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/18/podcast-104-probability-investing/</loc><lastmod>2013-07-02T14:53:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/20/podcast-105-you-can-get-rich-slow-while-also-getting-rich-quick/</loc><lastmod>2013-07-02T14:53:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/22/podcast-106-is-rob-an-egomaniac-or-not/</loc><lastmod>2013-07-02T14:53:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/04/30/talk-back-to-the-investing-experts/</loc><lastmod>2013-07-02T14:57:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/26/podcast-107-boom-and-bust-means-something-different-than-what-it-has-ever-meant-before/</loc><lastmod>2013-07-02T14:52:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/27/the-five-stages-of-investing-grief/</loc><lastmod>2013-07-18T20:04:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/07/passive-investing-the-great-mistake/</loc><lastmod>2013-07-02T14:56:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/29/podcast-109-beyond-doom-and-bloom/</loc><lastmod>2013-07-02T14:52:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/01/podcast-110-the-how-to-of-valuation-informed-indexing/</loc><lastmod>2013-07-02T14:51:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/03/podcast-111-youve-concluded-that-the-stock-market-is-corrupt-should-you-get-out/</loc><lastmod>2013-07-02T14:51:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/05/podcast-112-all-who-purchased-overpriced-stocks-caused-the-stock-crash/</loc><lastmod>2013-07-02T14:58:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/08/podcast-113-we-may-be-on-the-brink-of-the-greatest-explosion-of-intellectual-capital/</loc><lastmod>2013-07-02T14:42:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/10/podcast-114-the-good-kind-of-populism-the-bad-kind-of-populism/</loc><lastmod>2013-07-02T14:42:01-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/12/podcast-115-internet-censorship-is-an-investment-topic/</loc><lastmod>2013-07-02T14:41:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/15/podcast-116-what-if-everything-you-know-about-investing-is-wrong/</loc><lastmod>2013-07-02T14:41:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/17/podcast-117-stocks-are-less-risky-than-bonds/</loc><lastmod>2013-07-02T14:40:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/19/podcast-118-the-angry-investor/</loc><lastmod>2013-07-02T14:40:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/22/podcast-119-passive-investing-causes-greater-income-inequality/</loc><lastmod>2013-07-02T14:39:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/24/podcast-120-we-cannot-have-free-markets-without-free-speech/</loc><lastmod>2009-06-05T14:57:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/26/podcast-121-integrity-matters/</loc><lastmod>2013-07-02T14:39:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/05/passive-investing-is-a-strategy-for-extremists/</loc><lastmod>2013-07-18T19:27:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/12/we-are-the-market-if-we-are-dumb-the-market-is-dumb/</loc><lastmod>2013-07-02T14:55:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/09/29/two-level-switching-in-a-pe10-level-14-market/</loc><lastmod>2009-09-16T08:40:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/09/24/invest-in-stocks-unless-there-is-a-strong-reason-not-to-do-so/</loc><lastmod>2009-09-16T08:39:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/16/when-we-hit-bottom-may-not-matter-as-much-as-some-think/</loc><lastmod>2009-08-16T16:10:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/02/i-was-hooked-on-passive-indexing-but-something-inside-made-me-wonder/</loc><lastmod>2009-05-08T16:27:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/09/the-bankers-did-not-do-this-to-us/</loc><lastmod>2013-07-02T14:42:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/14/oblivious-investor-vs-mr-market/</loc><lastmod>2013-07-02T14:54:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/19/holy-toledo-this-is-great-stuff-the-new-coffeehouse-investor-author-bill-schultheis/</loc><lastmod>2013-06-24T17:16:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/11/talk-back-to-the-investing-experts-2/</loc><lastmod>2013-07-02T14:41:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/04/one-of-the-neater-concepts-on-the-effect-of-relative-stock-valuations-upon-a-retirees-swr/</loc><lastmod>2013-07-02T15:03:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/21/my-goal-is-to-save-the-good-in-the-passive-investing-package-by-fixing-what-is-bad-in-it/</loc><lastmod>2013-06-24T17:14:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/16/a-very-solid-approach-to-investing/</loc><lastmod>2013-07-02T14:41:01-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/09/17/should-it-be-the-multiply-by-20-rule/</loc><lastmod>2009-09-14T16:50:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/09/22/we-should-let-the-financial-planners-off-the-hook/</loc><lastmod>2013-07-02T14:15:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/29/podcast-122-only-you-can-prevent-forest-fires-and-bull-markets/</loc><lastmod>2013-07-18T17:30:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/01/podcast-123-the-time-value-of-money-in-stocks/</loc><lastmod>2013-07-18T17:29:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/03/podcast-124-taboo/</loc><lastmod>2013-07-18T20:04:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/08/podcast-125-we-need-a-revised-version-of-the-ten-perfectly-nice-suggestions/</loc><lastmod>2013-07-18T20:05:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/10/podcast-126-when-government-spending-can-solve-a-problem-and-when-it-cannot/</loc><lastmod>2013-07-18T20:05:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/05/28/does-stock-price-matter/</loc><lastmod>2009-05-27T13:22:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/13/podcast-127-dave-ramsey-is-not-a-straight-shooter/</loc><lastmod>2013-07-02T14:36:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/15/podcast-128-our-economy-is-suffering-from-lyme-disease/</loc><lastmod>2013-07-02T15:13:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/17/podcast-129-are-middle-class-investors-too-dumb-to-invest-effectively/</loc><lastmod>2013-07-18T20:02:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/20/podcast-130-jonathan-clements-isnt-yet-able-to-apologize/</loc><lastmod>2013-07-04T08:50:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/22/podcast-131-triumph-of-the-marketers/</loc><lastmod>2013-07-18T20:01:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/24/podcast-132-cash-is-a-strategic-asset-class/</loc><lastmod>2013-07-02T14:29:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/27/podcast-133-the-flat-earth-society-still-believes-in-passive-investing/</loc><lastmod>2013-07-02T14:28:23-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/29/podcast-134-risk-without-risk/</loc><lastmod>2013-07-02T14:27:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/31/podcast-135-todays-stock-price-reflects-our-assessments-of-the-past-present-and-future/</loc><lastmod>2013-07-02T14:27:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/03/podcast-136-if-scott-burns-took-a-lie-detector-test/</loc><lastmod>2013-06-24T16:17:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/05/podcast-137-nine-valuation-informed-indexing-portfolio-allocation-strategies/</loc><lastmod>2009-08-05T08:33:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/07/podcast-138-why-the-stock-market-does-not-set-prices-properly/</loc><lastmod>2013-07-02T14:26:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/18/about-our-unique-investment-strategy-calculator/</loc><lastmod>2013-07-02T14:40:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/23/my-interview-with-abc-news-re-ten-unconventional-saving-tips/</loc><lastmod>2013-07-02T14:39:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/06/30/i-like-rob%e2%80%99s-fresh-views-and-tips-on-the-subject-of-saving/</loc><lastmod>2013-07-02T14:39:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/09/passive-investing-is-for-extremists-the-critique/</loc><lastmod>2013-07-02T14:34:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/11/why-long-term-timing-works-even-though-short-term-timing-doesnt/</loc><lastmod>2013-07-18T19:26:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/13/critique-does-long-term-market-timing-really-work/</loc><lastmod>2013-07-18T19:25:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/02/the-difference-between-the-multiply-by-25-rule-and-the-4-percent-rule/</loc><lastmod>2013-07-02T14:37:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/07/the-reason-why-this-strategy-works-is-precisely-because-it-is-mindless/</loc><lastmod>2009-07-07T07:55:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/14/the-smart-investor-must-be-willing-to-make-much-less-in-boom-cycles/</loc><lastmod>2013-07-02T14:36:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/16/it-is-fine-for-blog-owners-to-use-their-blogs-to-market-their-books-but-there-has-to-be-honesty/</loc><lastmod>2013-07-02T15:13:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/10/podcast-139-only-valuations-matter-everything-else-is-priced-in/</loc><lastmod>2013-07-02T14:25:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/12/podcast-140-meet-the-new-financial-porn-same-as-the-old-financial-porn/</loc><lastmod>2013-07-02T14:25:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/14/podcast-141-extremism-is-a-sin-enthusiasm-is-a-virtue/</loc><lastmod>2013-07-02T14:34:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/17/podcast-142-dollar-cost-averaging-is-a-loser-strategy/</loc><lastmod>2013-07-02T14:33:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/19/podcast-143-the-intrinsic-value-of-stocks/</loc><lastmod>2013-07-02T14:33:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/21/podcast-144-i-can-teach-you-how-to-lose-money-in-a-bull-market/</loc><lastmod>2013-07-02T14:19:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/24/podcast-145-the-candyland-hypothesis-why-short-term-timing-doesnt-work/</loc><lastmod>2013-07-18T17:28:23-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/26/podcast-146-zvi-bodie-and-worry-free-investing/</loc><lastmod>2013-07-31T18:14:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/28/podcast-147-jeremy-siegel-says-you-should-borrow-to-buy-stocks/</loc><lastmod>2013-07-02T14:31:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/31/podcast-148-sarah-palin-she-is-me/</loc><lastmod>2009-08-22T17:56:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/21/advice-on-options-from-a-fellow-who-knows-nothing-about-options/</loc><lastmod>2013-07-02T15:13:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/23/cash-is-a-strategic-asset-class/</loc><lastmod>2013-07-02T14:29:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/06/stock-volatility-kills/</loc><lastmod>2013-07-02T14:26:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/28/bogle-says-valuation-informed-indexing-can-work/</loc><lastmod>2013-07-02T14:27:54-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/07/30/my-hope-is-to-persuade-you-to-steer-the-indexing-revolution-to-a-more-promising-path/</loc><lastmod>2013-06-24T16:28:11-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/04/were-all-better-off-as-a-result-of-the-stock-crash/</loc><lastmod>2013-07-02T14:27:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/18/mike-piper-of-oblivious-investor-bans-dicussion-of-lindauers-campaign-of-terror-against-diehards/</loc><lastmod>2013-07-02T14:33:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/20/these-people-good-people-have-described-your-comments-as-spammy-obnoxious/</loc><lastmod>2013-07-02T14:32:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/09/02/podcast-149-rebalancing-never-works/</loc><lastmod>2013-07-02T14:19:02-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/09/03/podcast-150-follow-the-money-and-youll-do-what-you-love/</loc><lastmod>2013-07-02T14:18:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/09/14/podcast-151-the-history-of-investing/</loc><lastmod>2009-08-23T08:28:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/09/16/podcast-152-logic-is-an-on-off-switch-emotional-is-a-gradual-awakening/</loc><lastmod>2013-07-02T14:19:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/09/18/podcast-153-contrarian-investing-almost-works/</loc><lastmod>2013-07-02T14:17:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/09/21/podcast-154-low-stock-prices-are-better-than-high-stock-prices/</loc><lastmod>2013-07-02T14:17:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/09/23/podcast-155-the-retirement-risk-evaluator-is-not-a-conservative-calculator-it-is-an-accurate-calculator/</loc><lastmod>2013-07-02T14:14:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/09/25/podcast-156-revolution/</loc><lastmod>2009-09-16T12:25:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/09/28/podcast-157-the-personal-finance-blogosphere-can-save-us-or-ruin-us/</loc><lastmod>2009-09-16T12:26:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/25/it-might-give-you-a-new-way-of-looking-at-saving/</loc><lastmod>2013-07-02T14:19:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/08/27/it-appears-that-i-inadvertently-stumbled-into-the-middle-of-a-religious-war/</loc><lastmod>2013-07-02T14:31:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/09/04/todays-retirement-planning-advice-is-a-sick-joke/</loc><lastmod>2013-07-02T14:18:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/09/01/rational-investing-in-irrational-markets/</loc><lastmod>2013-07-18T20:00:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/09/15/humble-money-experts-are-the-best-money-experts/</loc><lastmod>2013-07-31T17:24:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/09/30/podcast-158-john-bogle-says-valuation-informed-indexing-can-work/</loc><lastmod>2013-07-02T14:13:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/02/podcast-159-the-returns-sequence-that-happens-to-pop-up-makes-a-difference/</loc><lastmod>2013-07-02T14:12:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/05/podcast-160-true-diversification/</loc><lastmod>2013-07-27T14:52:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/07/podcast-161-the-time-price-connection/</loc><lastmod>2013-07-02T14:11:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/09/podcast-162-i-was-wrong-there-is-no-equity-risk-premium/</loc><lastmod>2013-07-18T17:27:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/12/podcast-163-buffett-disappoints/</loc><lastmod>2013-07-02T14:11:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/01/you-use-a-simple-price-to-earnings-ratio-to-help-people-see-the-fraud-in-the-market/</loc><lastmod>2013-07-18T19:23:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/06/the-monevator-blog-its-not-my-fight/</loc><lastmod>2013-07-02T14:12:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/08/free-money-finance-blog-youve-been-asked-nicely-to-refrain-from-commenting/</loc><lastmod>2013-07-02T14:14:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/14/podcast-164-im-a-journalist-not-an-investing-expert/</loc><lastmod>2013-07-18T19:59:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/16/podcast-165-i-was-wrong-there-is-an-economic-reason-why-we-will-see-another-stock-crash/</loc><lastmod>2013-07-02T14:11:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/19/podcast-166-the-new-luxuries/</loc><lastmod>2013-07-02T15:12:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/21/podcast-167-risk-is-never-never-never-good/</loc><lastmod>2013-07-02T14:10:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/23/podcast-168-inadvertent-financial-fraud-what-it-is-what-it-signifies/</loc><lastmod>2013-07-02T14:10:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/26/podcast-169-the-stock-return-predictor/</loc><lastmod>2013-07-02T14:10:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/28/podcast-170-behavioral-finance-2-0/</loc><lastmod>2013-07-02T14:09:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/30/podcast-171-30-investment-myths-in-60-minutes/</loc><lastmod>2013-07-02T14:09:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/11/04/podcast-173-its-spending-that-makes-you-rich/</loc><lastmod>2009-10-26T08:40:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/11/06/podcast-174-deferred-market-efficiency-what-it-is-what-it-signifies/</loc><lastmod>2013-07-02T14:03:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/11/09/podcast-175-as-your-wealth-grows-increase-your-stock-allocation/</loc><lastmod>2013-07-02T14:01:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/13/can-we-measure-whether-dividend-payments-are-keeping-up-with-price-increases/</loc><lastmod>2009-10-06T17:20:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/11/02/the-housing-market-isnt-efficient-either/</loc><lastmod>2009-11-01T14:43:36-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/20/its-price-increases-that-are-lumps-for-most-of-us/</loc><lastmod>2013-07-02T14:10:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/11/03/the-valuation-informed-indexer-experiences-less-risk-and-enjoys-higher-returns/</loc><lastmod>2009-11-02T18:08:27-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/11/12/financial-journalists-do-not-think-about-the-logic-of-the-models-but-take-them-on-faith/</loc><lastmod>2013-07-02T14:07:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/03/robs-investment-web-site-passionsaving-com-hasnt-taken-off-the-way-hed-hoped/</loc><lastmod>2009-11-13T17:13:41-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/11/11/podcast-176-volatility-is-optional/</loc><lastmod>2013-07-02T14:01:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/11/13/podcast-177-all-about-backtesting/</loc><lastmod>2013-07-02T14:01:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/11/16/podcast-178-indexing-changes-everything/</loc><lastmod>2009-11-09T17:23:26-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/11/18/podcast-179-the-investors-scenario-surfer/</loc><lastmod>2013-07-02T14:06:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/11/20/podcast-180-volatility-is-evil/</loc><lastmod>2013-07-02T14:08:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/11/30/podcast-181-predictably-irrational/</loc><lastmod>2013-07-02T13:59:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/02/podcast-182-take-back-the-internet/</loc><lastmod>2013-07-02T13:57:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/04/podcast-183-investment-discussion-boards-ban-honest-posting-on-valuations/</loc><lastmod>2013-06-25T17:52:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/01/carl-richards-brings-up-the-question-that-may-not-be-asked/</loc><lastmod>2013-06-24T16:16:02-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/22/it-is-a-black-mark-on-all-in-that-community-including-john-bogle-that-this-wrong-has-not-been-rectified/</loc><lastmod>2013-06-25T18:06:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/27/it-brings-up-things-that-happened-at-another-forum-which-most-of-my-readers-dont-seem-to-care-about/</loc><lastmod>2013-07-02T14:09:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/10/29/integrity-issues-are-always-on-topic/</loc><lastmod>2013-06-25T18:05:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/11/19/most-real-people-seem-to-be-losing-faith/</loc><lastmod>2009-10-22T12:12:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/11/05/buy-and-hold-is-dead-these-studies-prove-it/</loc><lastmod>2013-07-02T14:03:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/11/17/buy-and-hold-investing-doesnt-work-these-links-prove-it/</loc><lastmod>2013-07-02T14:08:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/07/podcast-184-market-timing-is-the-mechanism-by-which-market-efficiency-is-attained/</loc><lastmod>2013-07-02T13:56:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/09/podcast-185-stock-slaves/</loc><lastmod>2013-07-02T13:56:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/11/podcast-186-the-biggest-mistake-ever-made-in-the-history-of-personal-finance/</loc><lastmod>2013-07-02T13:52:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/14/podcast-187-volatility-adds-nothing/</loc><lastmod>2009-12-08T15:19:50-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/08/you-the-owner-of-the-frugal-dad-blog-can-make-a-difference-for-millions-of-middle-class-investors/</loc><lastmod>2009-12-07T15:32:36-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/16/podcast-188-bogles-contradictions/</loc><lastmod>2009-12-09T15:02:34-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/18/podcast-189-the-retirement-risk-evaluator/</loc><lastmod>2013-07-02T13:52:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/21/podcast-190-lawsuits-etc/</loc><lastmod>2013-07-02T13:52:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/23/podcast-191-the-behavior-gap/</loc><lastmod>2013-07-02T13:51:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/10/i-dont-think-ive-ever-heard-buy-and-hold-described-as-a-get-rich-quick-scheme-before/</loc><lastmod>2013-07-02T12:56:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/15/morningstar-com-reaffirms-its-ban-on-honest-posting-on-valuation-related-topics/</loc><lastmod>2013-06-25T17:51:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/17/your-post-was-removed-for-being-inflammatory/</loc><lastmod>2013-06-25T17:45:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/04/podcast-192-common-return-patterns-and-what-to-do-when-you-see-them-2/</loc><lastmod>2013-07-02T13:51:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/24/fixed-income-should-equal-age-but-adjusted-up-or-down-depending-on-valuations/</loc><lastmod>2013-06-24T16:14:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/06/podcast-193-my-vision/</loc><lastmod>2013-07-02T13:11:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/08/podcast-194-the-future-of-buy-and-hold-is-a-political-question/</loc><lastmod>2013-07-02T13:10:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2009/12/22/liberals-should-be-concerned-about-the-financial-damage-being-done-to-middle-class-investors/</loc><lastmod>2013-07-31T18:05:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/05/any-sensible-asset-allocation-formula-should-combine-ageinvestment-horizon-valuation-levels/</loc><lastmod>2013-07-02T13:11:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/07/stocks-are-a-lot-less-risky-than-you-think/</loc><lastmod>2013-07-18T17:48:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/11/podcast-195-risk/</loc><lastmod>2013-07-02T13:10:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/13/podcast-196-valuation-informed-indexing-and-buy-and-hold-are-opposite-strategies/</loc><lastmod>2013-07-02T13:09:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/15/podcast-197-the-logic-of-buy-and-hold/</loc><lastmod>2013-07-02T13:08:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/20/podcast-198-young-investors-have-been-hurt-the-most/</loc><lastmod>2013-07-02T13:08:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/14/my-google-knol-on-why-buy-and-hold-investing-can-never-work/</loc><lastmod>2013-07-02T13:12:01-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/25/podcast-200-buy-and-hold-is-destroying-our-free-market-economy/</loc><lastmod>2010-01-15T14:02:52-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/27/podcast-201-why-liberals-should-oppose-the-continued-promotion-of-buy-and-hold-investing/</loc><lastmod>2010-01-27T08:21:39-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/21/my-e-mail-to-jason-zweig-author-of-the-the-intelligent-investor-column/</loc><lastmod>2013-07-02T12:55:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/19/my-e-mail-to-justin-fox-author-of-the-myth-of-the-rational-market/</loc><lastmod>2013-07-02T12:56:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/05/my-e-mail-to-yale-professor-robert-shiller-author-of-irrational-exuberance/</loc><lastmod>2013-07-02T12:53:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/28/my-e-mail-to-patrick-courrielche-journalist-at-www-bighollywood-breitbart-com/</loc><lastmod>2013-07-02T12:54:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/29/we-are-the-market-when-we-say-that-the-market-is-rational-we-are-saying-that-we-are-rational/</loc><lastmod>2013-07-02T13:07:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/22/my-e-mail-to-new-york-times-columnist-paul-krugman/</loc><lastmod>2013-07-02T12:55:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/01/26/imagine-no-volatility-i-wonder-if-you-can/</loc><lastmod>2013-07-02T13:08:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/01/my-e-mail-to-washington-post-columnist-e-j-dionne/</loc><lastmod>2013-07-02T12:54:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/03/my-e-mail-to-the-hillbuzz-com-web-site/</loc><lastmod>2013-07-02T12:53:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/02/my-e-mail-to-cassy-fiano-owner-of-the-cassy-fiano-blog/</loc><lastmod>2013-06-25T17:42:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/04/get-rich-slowly-forum-discusses-my-google-knol-on-the-big-fail-of-buy-and-hold/</loc><lastmod>2013-07-02T13:06:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/02/my-e-mail-to-james-surowiecki-author-of-the-wisdom-of-crowds/</loc><lastmod>2013-07-02T18:01:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/09/my-e-mail-to-william-jacobson-author-of-the-legal-insurrection-blog/</loc><lastmod>2013-07-02T12:52:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/10/my-e-mail-to-jonathan-curiel-author-of-the-true-slant-blog/</loc><lastmod>2013-07-02T12:52:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/11/my-e-mail-to-john-hayward-author-of-the-doctor-zero-blog/</loc><lastmod>2013-07-02T12:52:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/12/my-e-mail-to-keith-hennessey-member-of-the-financial-crisis-inquiry-commission/</loc><lastmod>2013-07-02T11:35:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/08/get-rich-slowly-forum-discusses-how-buy-and-hold-caused-the-economic-crisis/</loc><lastmod>2013-07-02T13:04:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/16/my-e-mail-to-newsweek-columnist-robert-samuelson/</loc><lastmod>2013-07-02T11:35:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/17/my-e-mail-to-new-york-times-columnist-mark-hulbert/</loc><lastmod>2013-07-02T11:30:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/18/my-e-mail-to-chicago-tribune-columnist-gail-mark-jarvis/</loc><lastmod>2013-07-02T11:29:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/03/my-e-mail-to-atlantic-monthly-associate-editor-matthew-yglesias/</loc><lastmod>2013-07-02T18:00:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/22/my-e-mail-to-new-york-times-columnist-david-leonhardt/</loc><lastmod>2013-07-02T17:59:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/23/my-e-mail-to-dan-riehl-author-of-the-riehl-world-view-blog/</loc><lastmod>2013-07-31T18:04:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/24/my-e-mail-to-jay-cost-author-of-the-horse-race-blog/</loc><lastmod>2013-07-02T18:02:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/25/my-e-mail-to-john-ziegler-producer-of-the-media-malpractice-video/</loc><lastmod>2013-07-02T18:00:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/04/my-e-mail-to-mel-bryant-at-the-conservatives4palin-com-site/</loc><lastmod>2013-07-02T18:00:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/01/my-e-mail-to-michelle-malkin-author-of-the-michelle-malkin-blog/</loc><lastmod>2013-07-02T18:00:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/15/stock-market-strategy-market-timing-based-on-long-term-views/</loc><lastmod>2013-07-02T11:33:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/19/it-my-claim-that-long-term-timing-works-is-consistent-with-shillers-analysis-could-be-true/</loc><lastmod>2013-06-24T16:05:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/02/26/larimore-acknowledges-errors-in-bogleheads-guide-then-retreats-into-further-defensiveness/</loc><lastmod>2013-07-02T18:03:37-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/05/my-e-mail-to-the-author-of-the-pop-economics-blog/</loc><lastmod>2013-07-18T17:51:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/16/my-e-mail-to-andrew-smithers-co-author-of-valuing-wall-street/</loc><lastmod>2013-06-24T16:00:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/11/monevator-blog-bans-honest-posting-on-flaws-of-buy-and-hold/</loc><lastmod>2013-06-25T17:39:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/12/when-stock-prices-crash-where-does-the-money-go/</loc><lastmod>2013-07-18T17:23:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/15/my-e-mail-to-greg-howard-author-of-the-blog-at-mondayhope-com/</loc><lastmod>2013-06-24T16:02:11-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/17/my-e-mail-to-kathleen-burns-kinsbury-at-kbkwealthconnection-com/</loc><lastmod>2013-06-24T15:56:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/18/youre-sitting-on-a-winning-lottery-ticket-id-do-anything-to-have-what-youve-got/</loc><lastmod>2013-06-25T17:37:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/19/i-want-to-avoid-the-meanspiritedness-seen-on-some-of-the-forumsblogs-youve-visited-before/</loc><lastmod>2013-06-25T17:35:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/22/many-people-tell-me-they-take-seriously-what-the-experts-promoting-buy-and-hold-say/</loc><lastmod>2013-06-25T17:33:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/23/i-would-never-deliberately-do-something-to-hurt-someones-pride-or-to-cause-anyone-to-lose-face/</loc><lastmod>2013-06-25T17:32:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/24/valuation-informed-investing-is-risk-diminished-investing/</loc><lastmod>2013-07-18T17:22:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/25/get-rich-slowly-moderators-shut-down-discussion-of-the-flaws-of-buy-and-hold-investing/</loc><lastmod>2013-06-25T17:30:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/26/google-knol-2-the-bull-market-caused-the-economic-crisis/</loc><lastmod>2013-07-02T17:57:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/29/google-knol-3-rob-bennett/</loc><lastmod>2013-07-02T17:55:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/30/i-did-not-seek-out-this-controversy-it-was-thrust-upon-me/</loc><lastmod>2013-06-25T17:29:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/03/31/my-comments-dominate-because-they-are-important-not-generally-heard/</loc><lastmod>2013-06-24T15:54:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/01/what-you-are-doing-has-huge-value/</loc><lastmod>2013-06-24T15:43:23-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/02/my-comments-stick-out-because-there-are-not-enough-people-today-making-such-comments/</loc><lastmod>2013-06-24T15:40:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/05/i-am-not-ashamed-despite-the-efforts-of-many-to-make-me-feel-shame/</loc><lastmod>2013-06-24T15:39:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/06/someone-who-sees-huge-value-in-the-work-reacts-with-hostility/</loc><lastmod>2013-06-24T15:29:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/07/please-consider-changing-the-way-in-which-you-deliver-the-message-so-that-you-dont-kill-it/</loc><lastmod>2013-06-24T15:28:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/08/there-is-no-soft-way-of-saying-that-buy-and-hold-is-dangerous/</loc><lastmod>2013-06-25T17:28:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/09/id-rather-not-ignore-requests-of-what-appears-to-be-a-significant-portion-of-my-readership/</loc><lastmod>2013-06-24T15:27:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/12/having-a-successful-blog-is-not-going-to-mean-much-if-we-see-an-economic-depression/</loc><lastmod>2013-06-24T15:26:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/13/to-say-that-any-market-collapse-is-caused-by-passive-investing-doesnt-make-sense-to-me/</loc><lastmod>2013-07-02T17:56:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/14/minority-viewpoints-are-often-hated-because-they-are-right-think-slavery/</loc><lastmod>2013-07-02T17:56:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/15/there-is-something-rude-about-disagreeing-with-me-repeatedly-at-my-own-blog/</loc><lastmod>2013-06-24T15:21:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/16/this-cannot-be-put-off-indefinitely/</loc><lastmod>2013-06-24T15:20:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/19/its-generally-regarded-as-rude-to-repeatedly-disagree-with-the-blogger/</loc><lastmod>2013-07-02T17:54:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/20/in-ordinary-circumstances-your-response-would-be-to-stop-making-the-false-claims/</loc><lastmod>2013-06-24T15:19:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/21/i-havent-been-ducking-these-questions/</loc><lastmod>2013-07-02T17:54:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/22/ideas-sink-in-and-come-to-seem-less-strange-only-after-repeat-exposure/</loc><lastmod>2013-06-24T15:18:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/23/a-way-to-highlight-posts-that-dont-mesh-100-percent-with-my-own-recommendations/</loc><lastmod>2013-07-02T17:53:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/26/the-biggest-problem-with-the-indexing-revolution-today-the-unwillingness-to-admit-mistakes/</loc><lastmod>2013-07-02T17:53:01-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/27/all-the-back-and-forth-name-calling-and-worse-is-something-i-dont-want-to-be-connected-with/</loc><lastmod>2013-07-02T17:52:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/28/i-have-been-offered-deals-in-which-i-would-agree-to-post-dishonestly-on-safe-withdrawal-rates-in-return-for-a-lifting-of-the-campaign-of-terror-no-can-do/</loc><lastmod>2013-06-24T15:14:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/29/if-somebody-has-been-making-death-threats-contact-law-enforcement-authorities/</loc><lastmod>2013-06-24T15:12:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/04/30/i-have-contacted-law-enforcement-authorities-mike-2/</loc><lastmod>2013-06-24T15:08:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/03/pop-economics-pulls-back-promised-guest-blog-on-the-big-fail-of-buy-and-hold/</loc><lastmod>2010-05-03T12:50:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/04/the-pop-economics-guest-blog-is-not-merely-live-its-positively-psychedelic/</loc><lastmod>2010-05-04T10:05:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/05/you-are-our-new-leader/</loc><lastmod>2010-05-05T22:09:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/06/clusterfuck-nation-to-discuss-buy-hold-in-relation-to-financial-businesses-is-pure-abstraction/</loc><lastmod>2013-06-24T15:06:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/07/death-by-1000-papercuts-column-todays-understanding-of-stock-investing-is-primitive/</loc><lastmod>2010-05-04T16:01:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/10/financial-samurai-cant-understand-the-rift-behind-lindauergreaney-smear-campaign/</loc><lastmod>2010-05-10T14:15:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/11/investing-the-new-rules-you-dont-want-to-be-the-gambler-you-want-to-be-the-house/</loc><lastmod>2010-05-10T14:06:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/12/mike-mish-shedlock-the-bull-market-was-caused-by-loose-money/</loc><lastmod>2013-07-04T09:04:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/13/the-idea-that-loose-money-caused-the-bull-market-is-as-simple-as-it-gets/</loc><lastmod>2013-07-04T09:04:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/18/the-angry-grapes-i-see-it-as-a-symptom-of-easy-monetary-policy/</loc><lastmod>2013-07-02T17:46:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/19/the-danger-is-that-investors-can-set-the-price-of-stocks-wherever-they-want-to-set-it/</loc><lastmod>2013-07-02T17:46:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/20/you-hit-on-a-point-most-dont-understand-price-is-subjective-not-mechanically-determined/</loc><lastmod>2013-07-02T17:45:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/26/a-social-taboo-blocks-posting-about-the-realities-and-the-market-becomes-dysfunctional/</loc><lastmod>2013-07-02T17:44:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/14/one-of-the-most-ridiculous-is-that-buy-and-hold-led-to-the-depression-and-to-the-current-crisis/</loc><lastmod>2010-05-16T17:11:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/17/i-became-radicalized-by-seeing-how-hateful-and-stubborn-and-frightened-a-belief-in-buy-and-hold-can-make-a-person/</loc><lastmod>2010-05-17T15:20:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/28/blogads-ad1-most-hated-blogger/</loc><lastmod>2010-05-28T08:18:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/21/investing-the-new-rules-3-the-stock-return-predictor/</loc><lastmod>2013-07-02T17:45:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/25/the-risks-of-buy-hold-investing-seven-other-guest-blog-entries-on-valuation-informed-indexing/</loc><lastmod>2013-07-02T17:44:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/27/stock-volatility-kills-seven-other-guest-blog-entries-on-valuation-informed-indexing/</loc><lastmod>2013-07-02T17:43:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/05/24/my-daily-caller-article-can-we-handle-the-truth-about-stock-investing/</loc><lastmod>2013-07-02T17:45:01-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/06/01/investing-the-new-rules-4-the-stock-investors-weather-report/</loc><lastmod>2013-07-02T17:42:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/06/03/investing-the-new-rules-5-the-great-karnac-knows-not-quite-all/</loc><lastmod>2013-07-02T17:37:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/06/07/investing-the-new-rules-6/</loc><lastmod>2013-07-02T17:36:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/06/02/the-bankers-did-not-do-this-to-us-and-seven-other-guest-blog-entries-on-valuation-informed-indexing/</loc><lastmod>2013-07-31T18:02:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/06/09/you-might-want-to-see-somebody-this-is-paranoia/</loc><lastmod>2013-07-02T17:34:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/06/10/i-would-want-to-disassociate-myself-from-that-behavior-in-every-way-possible/</loc><lastmod>2013-06-25T17:18:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/06/11/reasonable-people-are-not-going-to-believe-that-you-are-concerned-about-my-mental-health-j-d/</loc><lastmod>2013-06-25T17:18:02-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/06/08/daily-caller-article-2-how-we-invest-is-a-political-question/</loc><lastmod>2013-07-02T17:35:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/06/14/investing-the-new-rules-7-dollar-cost-averaging-is-a-loser-strategy/</loc><lastmod>2013-07-02T17:34:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/06/15/it-makes-me-feel-better-to-hear-you-say-that/</loc><lastmod>2013-06-25T17:16:17-04:00</lastmod></u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yond-buy-and-hold-18-knowing-the-mathematics-of-investing-hurts-more-than-it-helps/</loc><lastmod>2010-12-29T09:32:48-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2010/12/30/valuation-informed-indexing-22-low-stock-returns-need-not-hurt-you-as-an-investor/</loc><lastmod>2013-07-03T12:47:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/01/04/itnr-36-fear-of-data/</loc><lastmod>2013-07-03T12:43:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/01/05/beyond-buy-hold-19-theres-no-such-thing-as-an-unemotional-investor/</loc><lastmod>2013-07-03T12:40:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/01/06/vii-23-even-stock-pickers-can-benefit-from-allocation-shifts/</loc><lastmod>2013-07-03T12:40:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/01/07/a-portfolio-with-higher-prices-by-definition-must-have-more-risk-than-the-exact-same-portfolio-with-lower-prices/</loc><lastmod>2013-07-03T12:36:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/01/10/itnr-37-never-ask-a-stock-salesman-whether-its-a-good-time-to-buy-stocks/</loc><lastmod>2011-01-10T11:38:30-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/01/11/vii-24-does-shiller-endorse-valuation-informed-indexing/</loc><lastmod>2013-07-03T12:32:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/01/12/rob-can-be-exhausting-and-perhaps-does-not-recognize-well-supported-contrary-views-as-well-as-i-wish-he-would/</loc><lastmod>2013-06-25T15:34:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/01/13/sure-he-shiller-does-support-value-informed-indexing/</loc><lastmod>2013-07-03T12:40:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/01/14/beyond-buy-and-hold-20-how-do-we-know-when-stocks-are-overvalued/</loc><lastmod>2013-07-03T12:32:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/01/18/the-mother-of-those-two-boys-did-not-view-those-death-threats-as-alleged/</loc><lastmod>2013-06-25T15:33:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/01/19/bogleheads-org-site-administrator-says-i-represent-a-threat-to-the-community/</loc><lastmod>2013-06-25T15:32:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/01/21/wade-pfau-associate-professor-of-economics-at-the-national-graduate-institute-for-policy-studies-valuation-informed-indexing-works/</loc><lastmod>2013-06-08T08:43:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/01/24/bogleheads-forum-examines-research-showing-valuation-informed-indexing-beats-buy-and-hold-in-102-of-110-30-year-periods/</loc><lastmod>2013-06-08T08:44:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/01/25/site-administrator-alex-frakt-doubles-down-on-defamationintimidationdeception-strategy-at-bogleheads-forum/</loc><lastmod>2013-07-03T12:29:23-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/01/26/my-second-e-mail-to-john-bogle-i-havent-been-banned-at-any-new-boards-or-blogs-for-six-months/</loc><lastmod>2013-06-09T07:03:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/01/28/a-new-and-less-risky-way-to-invest-in-stocks/</loc><lastmod>2013-07-18T17:46:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/01/31/the-five-big-benefits-of-valuation-informed-indexing/</loc><lastmod>2013-07-03T15:16:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/02/01/article-on-valuation-informed-indexing-wins-editors-pick-in-carnival-of-passive-investing/</loc><lastmod>2013-07-04T09:05:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/02/02/jim-yih-owner-of-retire-happy-blog-jokes-in-a-warm-and-life-affirming-way-about-the-ban-on-honest-posting/</loc><lastmod>2013-06-25T15:31:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/02/07/are-investing-experts-ethical/</loc><lastmod>2013-07-03T12:29:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/02/08/the-coming-revolution-in-our-understanding-of-how-stock-investing-works/</loc><lastmod>2013-07-18T19:39:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/02/09/stock-investing-without-all-the-drama/</loc><lastmod>2013-07-03T12:18:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/02/10/i-would-like-to-see-personal-finance-bloggers-working-together-to-get-the-straight-story-to-people/</loc><lastmod>2013-07-31T18:26:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/02/18/vii-28-wade-pfaus-research-understates-the-superiority-of-valuation-informed-indexing-over-buy-and-hold/</loc><lastmod>2013-07-03T12:17:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2011/02/11/wade-pfau-this-paper-suggests-that-the-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ng-and-retirement-planning/</loc><lastmod>2012-04-09T18:06:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/04/23/vii-89-keeping-your-stock-allocation-constant-might-be-the-riskiest-choice-of-all/</loc><lastmod>2012-04-10T09:24:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/04/24/beyond-buy-and-hold-85-the-last-11-years-have-been-lucky-ones-for-stock-investors/</loc><lastmod>2012-04-24T10:46:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/04/21/itnr-101-the-shadow-economy/</loc><lastmod>2012-04-17T13:29:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/04/22/vii-90-the-correlation-between-pe10-values-and-long-term-returns-is-stronger-than-most-realize/</loc><lastmod>2012-04-17T13:36:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/04/27/wade-pfau-i-just-became-aware-of-your-past-research-in-september-i-always-find-your-writing-to-be-very-interesting-and-intriguing/</loc><lastmod>2013-06-10T14:51:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/04/28/wade-pfau-i-was-trying-to-pay-tribute-to-your-accomplishments-in-what-i-knew-would-be-a-hostile-environment/</loc><lastmod>2013-06-12T15:05:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/04/29/we-know-all-sorts-of-things-about-investing-today-that-we-do-not-want-to-acknowledge-that-we-know-my-aim-is-to-harvest-this-unappreciated-knowledge/</loc><lastmod>2013-06-10T15:47:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/04/30/wade-pfau-bogle-in-many-cases-has-said-things-not-all-that-different-from-what-you-said/</loc><lastmod>2013-07-27T13:50:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/01/wade-pfau-at-the-bogleheads-forum-my-comments-before-suggesting-that-rob-bennett-had-been-dogmatic-in-his-posting-at-this-forum-was-completely-misguided-and-i-apologize-to-him/</loc><lastmod>2013-06-12T15:04:01-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/02/6085/</loc><lastmod>2013-06-12T15:03:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/03/wade-pfau-i-like-your-term-historical-surviving-withdrawal-rate-as-a-more-accurate-description-of-what-traditional-studies-like-trinity-show/</loc><lastmod>2013-07-27T13:49:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/04/20/balance-junkie-column-4-five-things-tim-tebow-can-teach-us-about-stock-investing/</loc><lastmod>2013-06-30T19:10:01-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/04/wade-pfau-if-valuation-informed-indexing-consistently-outperforms-fixed-and-lifecycle-strategies-then-the-proof-is-in-the-pudding-given-how-well-valuations-help-to-explain-withdrawal-rates-i-thi/</loc><lastmod>2013-07-27T13:48:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/05/wade-pfau-i-was-a-little-nervous-about-contacting-you-in-case-you-thought-i-was-trying-to-steal-your-thunder/</loc><lastmod>2013-07-27T13:47:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/06/wade-pfau-i-hope-we-can-stay-in-touch-i-would-like-to-do-a-valuation-informed-indexing-study-but-it-will-probably-take-a-few-months-before-it-gets-finished/</loc><lastmod>2013-06-11T07:39:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/07/wade-pfau-yes-virginia-valuation-informed-indexing-works/</loc><lastmod>2013-06-11T07:41:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/04/25/beyond-buy-and-hold-86-its-not-that-big-a-deal-when-you-change-your-stock-allocation-so-long-as-you-are-certain-to-change-it-from-time-to-time/</loc><lastmod>2012-04-24T11:36:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/08/the-regulars-at-the-bogleheads-forum-did-not-want-this-message-that-the-old-school-safe-withdrawal-rate-studies-get-the-numbers-wrong-being-heard-because-of-the-boards-history-re-this-message/</loc><lastmod>2013-06-12T15:00:54-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/09/academic-researcher-wade-pfau-as-you-say-in-your-podcast-valuation-informed-indexing-should-beat-buy-and-hold-about-90-percent-of-the-time-and-i-am-getting-results-that-support-this/</loc><lastmod>2013-06-11T07:44:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/04/26/the-buy-and-hold-myth/</loc><lastmod>2013-07-18T17:15:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/10/this-is-the-paper-that-prompted-john-walter-russell-to-coin-the-term-idiot-switching/</loc><lastmod>2013-06-11T07:46:01-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/11/i-definitely-need-to-cite-some-of-your-work-as-the-founder-of-valuation-informed-indexing-as-i-have-not-found-anyone-else-who-can-lay-claim-to-that-shiller-pointed-out-the-predictive-power-of-pe1/</loc><lastmod>2013-06-11T07:47:23-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/12/i-have-not-been-able-to-find-anyone-who-has-made-a-serious-effort-to-explore-the-practical-strategic-implications-of-shillers-work-its-just-been-sitting-there-waiting-for-someone-to-jump-on-it/</loc><lastmod>2013-06-11T07:48:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/13/not-considering-which-end-of-the-cycle-the-pe10-level-appears-on-causes-confusion-for-newcomers-who-feel-that-each-pe10-level-should-dictate-a-single-stock-allocation/</loc><lastmod>2013-06-11T07:50:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/14/academic-researcher-wade-pfau-two-papers-by-fisher-and-statman-are-still-all-i-can-find-that-provide-evidence-against-long-term-market-timing/</loc><lastmod>2013-06-11T07:51:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/15/unless-taylor-larimore-co-author-of-the-book-the-bogleheads-guide-to-investing-has-had-some-secret-discussions-with-bogle-that-no-one-knows-about-he-is-mischaracterizing-bogles-position/</loc><lastmod>2013-07-27T14:43:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/16/i-was-thinking-about-taking-taylor-larimore-to-task-for-this-mischaracterizing-bogles-position-other-people-have-already-pointed-it-out-to-him-and-he-doesnt-seem-to-care/</loc><lastmod>2013-07-27T14:43:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/17/wade-pfau-bennett-desperately-wants-someone-besides-him-to-say-that-the-trinity-study-needs-to-be-corrected-but-ive-explained-that-this-isnt-how-research-works/</loc><lastmod>2013-06-12T14:58:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/18/academic-researcher-wade-pfau-you-deserve-much-of-the-credit-for-my-research-findings-as-the-whole-idea-of-valuation-informed-indexing-belongs-to-you/</loc><lastmod>2013-07-22T12:14:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/19/academic-researcher-wade-pfau-no-matter-what-i-try-valuations-based-strategies-tend-to-produce-the-same-or-greater-returns-at-lower-risk-than-fixed-allocations/</loc><lastmod>2013-06-11T08:12:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/20/academic-researcher-wade-pfau-though-i-was-only-trying-to-do-an-old-school-safe-withdrawal-rate-study-all-that-i-ended-up-doing-was-showing-in-a-different-way-what-you-had-been-saying-all-along/</loc><lastmod>2013-07-27T13:46:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/21/if-you-can-get-over-the-fact-that-he-compared-you-to-the-potato-famine-and-the-black-plague-i-think-you-can-find-a-compliment-buried-in-his-remarks/</loc><lastmod>2013-06-12T14:56:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/22/academic-researcher-wade-pfau-now-that-i-am-accounting-for-risk-i-am-even-more-amazed-by-how-well-valuation-informed-indexing-works-why-havent-academics-already-published-research-about-this/</loc><lastmod>2013-06-11T08:16:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/23/shiller-discovered-that-the-earth-is-round-instead-of-flat-and-all-the-old-maps-need-to-be-redone-there-is-an-intense-reluctance-among-many-to-discuss-these-matters-openly-and-plainly-and-clearly/</loc><lastmod>2013-06-11T08:17:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/24/academic-researcher-wade-pfau-perhaps-it-is-a-good-thing-that-i-am-not-really-a-finance-professor-i-dont-personally-know-so-many-finance-people-so-i-dont-feel-the-taboo/</loc><lastmod>2013-06-11T08:19:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/25/academic-researcher-wade-pfau-this-is-a-real-and-unavoidable-concern-someone-has-to-be-strongly-committed-to-the-valuation-informed-indexing-strategy-to-not-deviate-at-the-worst-possible-time/</loc><lastmod>2013-06-11T08:20:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/26/academic-researcher-wade-pfau-in-the-past-no-one-could-have-even-replicated-the-fixed-allocation-or-valuations-based-strategies-because-there-were-no-index-funds/</loc><lastmod>2013-06-11T08:21:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/27/it-is-buy-and-hold-that-always-shows-promise-for-a-time-and-then-is-shown-not-to-work/</loc><lastmod>2013-07-27T13:45:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/28/academic-researcher-wade-pfau-in-response-to-mel-lindauers-claim-that-his-research-engages-in-data-mining-i-take-the-issue-of-data-mining-very-seriously-and-with-all-due-respect-any-data-minin/</loc><lastmod>2013-07-27T13:44:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/29/just-dont-forget-to-consider-taxes-next-time-you-big-dummy/</loc><lastmod>2013-06-11T08:24:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/30/academic-researcher-wade-pfau-i-would-not-be-surprised-if-the-market-timer-had-to-go-all-the-way-to-2000-to-get-a-strategy-with-the-same-risk-as-100-percent-stocks/</loc><lastmod>2013-06-11T08:27:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/05/31/academic-researcher-wade-pfau-valuation-informed-indexing-always-provides-more-returns-for-often-less-risk/</loc><lastmod>2013-06-11T08:28:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/01/academic-researcher-wade-pfau-im-not-sure-whether-criticisms-of-your-calculators-have-merit-or-not-i-cant-really-take-anything-drip-guy-says-at-face-value/</loc><lastmod>2013-06-11T08:29:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/02/academic-researcher-wade-pfau-buy-and-hold-only-occasionally-did-better-and-that-is-when-both-strategies-were-doing-pretty-darn-good-anyway-and-so-the-difference-between-them-is-not-as-important/</loc><lastmod>2013-06-11T08:31:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/03/academic-researcher-wade-pfau-maybe-your-new-school-term-will-get-some-more-traction-after-all-i-realize-now-that-i-should-cite-something-of-yours-about-safe-withdrawal-rates-when-preparing/</loc><lastmod>2013-07-27T13:43:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/04/academic-researcher-wade-pfau-sent-financial-columnist-scott-burns-who-popularized-the-infamous-4-percent-rule-for-retirement-planning-several-of-his-new-school-swr-research-papers-and-received-poli/</loc><lastmod>2013-07-27T15:03:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/05/academic-researcher-wade-pfau-was-dejected-when-the-editors-of-a-journal-rejected-his-maximum-withdrawal-rate-research-on-grounds-that-they-just-dont-like-the-whole-literature-about-4-percent-rule/</loc><lastmod>2013-07-27T13:42:54-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/06/rob-bennett-to-academic-researcher-wade-pfau-is-it-not-so-that-your-results-challenge-fundamental-principles-of-modern-portfolio-theory-you-show-that-an-investor-does-not-need-to-take-on-added-ris/</loc><lastmod>2013-07-18T19:52:37-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/07/journal-editors-to-academic-researcher-wade-pfau-re-his-research-discrediting-modern-portfolio-theory-we-did-not-find-the-papers-incremental-contribution-to-the-academic-finance-literature-rose/</loc><lastmod>2013-07-18T19:53:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/08/rob-bennett-to-academic-researcher-wade-pfau-you-have-shown-that-there-are-circumstances-in-which-returns-are-higher-in-treasury-bills-than-they-are-in-stocks-that-is-insane-that-cannot-be-it-is/</loc><lastmod>2013-07-18T19:53:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/09/i-also-have-a-problem-with-the-assumption-thats-all-it-is-that-buy-and-holders-will-stick-with-their-high-stock-allocations-in-the-face-of-big-losses-i-have-never-seen-any-research-showing-tha/</loc><lastmod>2013-06-11T09:01:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/10/academic-researcher-wade-pfau-it-would-hardly-be-fair-to-say-that-the-buy-and-hold-guy-panics-and-sells-stocks-at-the-same-moment-the-valuation-informed-indexing-guy-decides-to-calmly-increase-his/</loc><lastmod>2013-06-11T11:05:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/11/the-purpose-of-the-returns-sequence-reality-checker-is-to-change-investor-psychology/</loc><lastmod>2013-07-27T13:41:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/12/academic-researcher-wade-pfau-in-response-to-a-threat-by-the-greaney-goons-to-get-him-fired-from-his-job-for-posting-honestly-on-safe-withdrawal-rates-i-think-i-should-stay-publicly-quiet-for-awhi/</loc><lastmod>2013-06-12T14:49:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/13/rob-bennett-to-academic-researcher-wade-pfau-on-hearing-of-his-fears-that-the-greaney-goons-will-carry-through-on-their-threats-to-get-him-fired-from-his-job-please-dont-delude-yourself-into-thin/</loc><lastmod>2013-06-12T14:48:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/14/rob-bennett-to-academic-researcher-wade-pfau-after-the-greaney-goons-threatened-to-get-him-fired-from-his-job-the-site-is-owned-by-greaney-it-was-set-up-solely-for-the-purpose-of-intimidating-peo/</loc><lastmod>2013-06-12T14:47:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/15/academic-researcher-wade-pfau-you-probably-shouldnt-mention-this-an-article-linking-to-the-retirement-risk-evaluator-for-awhile-or-else-those-guys-the-greaney-goons-will-send-a-bunch-of-nast/</loc><lastmod>2013-06-12T14:45:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/16/rob-bennett-to-academic-researcher-wade-pfau-the-safe-saving-rate-concept-can-effectively-compliment-the-safe-withdrawal-rate-concept-but-it-cannot-replace-it-what-do-you-do-when-someone-notices/</loc><lastmod>2013-07-27T13:40:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/17/academic-researcher-wade-pfau-i-do-not-wish-to-antagonize-the-goons-too-much-i-do-not-want-them-working-behind-the-scenes-to-derail-me-i-did-warn-the-editor-of-the-journal-of-financial-pla/</loc><lastmod>2013-06-12T14:41:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/18/rob-bennett-to-academic-researcher-wade-pfau-if-i-can-think-of-things-that-i-can-do-to-soften-the-blow-to-the-goons-i-will-do-that-if-it-is-any-comfort-i-think-it-would-be-fair-to-say-that-th/</loc><lastmod>2013-06-12T14:41:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/19/academic-researcher-wade-pfau-this-issue-shouldnt-really-even-be-all-that-controversial-its-just-common-sense-that-the-probabilities-from-the-trinity-study-shouldnt-be-interpreted-as-forward/</loc><lastmod>2013-07-31T16:34:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/20/bogleheads-forum-poster-in-thread-discussing-academic-researcher-wade-pfaus-finding-that-valuation-informed-indexing-strategies-have-provided-higher-returns-than-buy-and-hold-at-lower-risk-throughou/</loc><lastmod>2013-07-27T13:39:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/21/academic-researcher-wade-pfau-mel-lindauer-continues-with-his-criticism-which-does-have-some-merit-but-which-means-that-we-cant-really-use-historical-data-to-study-any-issue-at-all/</loc><lastmod>2013-06-12T14:39:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/22/peer-review-report-for-academic-researcher-wade-pfaus-breakthrough-research-on-valuation-informed-indexing-the-elephant-in-the-living-room-question-is-what-is-the-ultimate-criterion-for-one-to/</loc><lastmod>2013-07-18T19:36:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/23/rob-bennett-re-the-peer-review-report-on-wade-pfaus-breakthrough-research-on-valuation-informed-indexing-the-elephant-in-the-living-room-is-that-there-has-never-been-a-valid-study-showing-that-ti/</loc><lastmod>2013-07-18T19:35:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/24/rob-bennett-to-academic-researcher-wade-pfau-my-understanding-of-the-theory-behind-valuation-informed-indexing-has-helped-me-avoid-pitfalls-that-lots-of-others-have-fallen-into/</loc><lastmod>2013-07-18T19:35:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/25/academic-researcher-wade-pfau-on-his-breakthrough-paper-showing-that-long-term-timing-always-works-and-provides-far-higher-returns-at-greatly-diminished-risk-there-is-a-pretty-good-chance-that-it-w/</loc><lastmod>2013-07-27T13:38:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/26/academic-researcher-wade-pfau-on-learning-that-his-breakthrough-research-showing-that-long-term-timing-always-works-would-be-published-in-only-a-decent-journal-there-is-a-saying-that-any-artic/</loc><lastmod>2013-07-27T13:37:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/27/rob-bennett-to-academic-researcher-wade-pfau-you-note-that-many-articles-that-led-to-nobel-prizes-were-first-rejected-the-obvious-question-is-why-it-is-that-knowledge-generally-advances-gradua/</loc><lastmod>2013-07-27T13:36:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/28/academic-researcher-wade-pfau-naturally-i-am-finding-that-valuation-informed-indexing-can-allow-you-to-reach-a-wealth-target-with-a-lower-savings-rate-use-a-higher-withdrawal-rate-and-also-have/</loc><lastmod>2013-07-19T15:59:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/29/rob-bennett-to-academic-researcher-wade-pfau-the-red-line-follows-pretty-much-the-same-path-as-the-blue-but-with-lower-tops-and-higher-bottoms-thats-the-truer-picture-since-the-blue-line-in-tim/</loc><lastmod>2013-06-11T12:05:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/30/rob-bennett-to-academic-researcher-wade-pfau-i-am-a-bit-disappointed-with-the-defensive-tone-i-am-extremely-uncomfortable-with-the-idea-that-no-shift-at-all-is-required-i-view-that-take-as-a-dang/</loc><lastmod>2013-06-12T14:29:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/07/01/academic-researcher-wade-pfau-there-are-a-lot-of-people-who-will-automatically-close-their-mind-to-this-valuation-informed-indexing-because-they-think-of-it-as-market-timing-and-i-hope-my-way-of/</loc><lastmod>2013-06-12T14:28:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/07/02/rob-bennett-to-academic-researcher-wade-pfau-i-have-strongly-favored-the-blunt-approach-i-cant-say-that-i-have-ever-experienced-any-real-world-success-with-my-approach-so-i-cannot-blame-somebod/</loc><lastmod>2013-06-12T13:51:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/07/03/academic-researcher-wade-pfau-because-we-just-dont-have-enough-historical-data-to-be-really-sure-about-valuations-i-think-you-just-need-to-be-satisfied-with-these-sorts-of-statements/</loc><lastmod>2013-06-12T13:49:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/07/04/rob-bennett-to-academic-researcher-wade-pfau-i-do-not-think-he-harold-evensky-goes-nearly-far-enough-in-warning-people-of-the-dangers-of-the-old-school-safe-withdrawal-rate-studies/</loc><lastmod>2013-07-27T15:01:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/07/05/rob-bennett-to-academic-researcher-wade-pfau-i-strongly-believe-that-there-are-things-you-must-do-and-things-you-must-not-do-to-protect-your-reputation-as-an-ethical-person-i-believe-today-that-th/</loc><lastmod>2013-06-12T13:47:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/07/06/academic-researcher-wade-pfau-i-dont-have-any-hard-feelings-toward-you-but-it-is-hard-to-have-public-communications-with-you-after-all-the-attacks-you-made-toward-me-at-your-blog-following-the-b/</loc><lastmod>2013-07-27T14:31:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/07/07/rob-bennett-to-academic-researcher-wade-pfau-people-cannot-live-in-this-sort-of-dishonesty-forever-what-we-are-going-through-is-a-temporary-state-it-will-change-after-the-next-crash-then-things/</loc><lastmod>2013-06-12T13:45:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/07/08/academic-researcher-wade-pfau-the-reason-i-contacted-them-the-authors-of-the-trinity-study-an-old-school-safe-withdrawal-rate-study-was-to-list-some-concern-i-had-valuations-fees-30-year-time/</loc><lastmod>2013-07-27T15:00:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/07/09/rob-bennett-to-academic-researcher-wade-pfau-you-feel-that-i-am-questioning-your-ethics-i-am-not-just-yours-though-i-am-questioning-the-ethics-of-every-person-who-has-seen-that-those-studies-ha/</loc><lastmod>2013-06-12T13:43:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/07/10/academic-researcher-wade-pfau-the-role-of-valuations-in-affecting-safe-withdrawal-rates-will-definitely-find-its-way-into-the-retirement-management-analyst-curriculum-as-i-am-in-the-early-stage/</loc><lastmod>2013-07-19T14:30:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/07/11/rob-bennett-to-academic-researcher-wade-pfau-the-issue-of-your-job-search-is-not-entirely-private-it-goes-to-motive-it-is-of-the-utmost-importance-that-we-make-clear-to-people-why-so-many-exper/</loc><lastmod>2013-06-12T13:39:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/08/05/corruption-in-the-investing-advice-field-the-wade-pfau-story/</loc><lastmod>2012-08-07T16:04:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/12/academic-researcher-wade-pfau-to-rob-bennett-you-really-shouldnt-have-posted-my-private-e-mails-this-is-so-unethical/</loc><lastmod>2013-06-22T17:25:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/17/academic-researcher-wade-pfau-if-i-did-lack-personal-integrity-i-could-have-made-this-all-stop-by-saying-the-meaningless-sentence-you-want-so-desperately-to-hear-i-think-the-errors-in-the-tra/</loc><lastmod>2013-07-27T15:02:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/06/23/arty-to-rob-bennett-if-wade-requested-you-not-share-personal-correspondence-i-hope-you-can-find-a-way-to-honor-his-request/</loc><lastmod>2013-06-25T14:56:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/08/05/academic-researcher-silenced-by-threats-to-get-him-fired-from-his-job-after-showing-dangers-of-buy-and-hold-investing-strategies/</loc><lastmod>2013-01-24T18:12:38-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/07/12/morningstar-site-administrator-please-direct-us-to-the-specific-posting-where-you-were-threatened-with-violence-by-another-morningstar-poster/</loc><lastmod>2013-06-11T14:29:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/07/13/rob-bennett-to-morningstar-site-administrator-the-greaney-supporters-openly-discuss-tactics-for-disrupting-morningstar-threads-they-have-taken-comfort-in-the-posts-by-mel-lindauer/</loc><lastmod>2013-06-11T14:28:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/07/14/rob-bennett-to-the-morningstar-com-site-administrator-a-poster-named-galeno-this-was-greaneys-1-supporter-on-the-board-put-forward-four-consecutive-posts-rejecting-out-of-hand-the-idea-of/</loc><lastmod>2013-06-11T14:27:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving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epression-too/</loc><lastmod>2012-08-30T09:21:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/09/04/vii-107-shiller-shows-too-much-respect-for-the-efficient-market-hypothesis/</loc><lastmod>2012-08-26T13:04:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/09/06/vii-108-robert-shiller-does-not-always-give-the-best-investing-advice/</loc><lastmod>2012-08-26T13:50:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/09/07/beyond-buy-and-hold-104-how-much-do-you-pay-for-various-improvements-to-your-retirement-plan/</loc><lastmod>2012-08-26T14:03:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/09/11/vii-109-the-stock-market-is-the-only-market-in-which-buyers-cheer-rising-prices/</loc><lastmod>2012-08-30T09:56:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/09/12/beyond-buy-and-hold-105-forget-the-sp-500-level-its-the-pe10-value-that-really-counts/</loc><lastmod>2012-08-30T10:01:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/09/13/you-need-to-change-how-you-think-about-stock-investing/</loc><lastmod>2013-07-18T19:30:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/09/14/financial-highway-13-how-our-ideas-on-investing-got-on-the-wrong-track/</loc><lastmod>2012-09-13T18:32:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/09/17/valuation-informed-indexing-111-is-the-long-term-average-return-of-6-5-percent-real-a-lock-for-the-future/</loc><lastmod>2012-09-14T16:28:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/09/18/beyond-buy-and-hold-106-when-is-it-better-to-have-a-100000-portfolio-than-a-300000-portfolio/</loc><lastmod>2012-09-14T16:33:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/09/19/beyond-buy-and-hold-107-time-is-the-forgotten-factor-in-stock-investing/</loc><lastmod>2012-09-14T16:39:11-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/09/20/my-crush-on-kathy-and-what-it-means-re-your-section-401k-account/</loc><lastmod>2013-07-04T09:07:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/09/24/beyond-buy-and-hold-108-how-bad-will-the-next-stock-crash-be-and-when-will-it-arrive/</loc><lastmod>2012-09-20T16:43:02-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/09/25/vii-112-predicting-the-past/</loc><lastmod>2012-09-20T17:04:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/09/27/economist-gary-north-you-may-be-good-your-site-is-a-disaster/</loc><lastmod>2013-06-21T10:09:02-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/09/28/evan-at-my-journey-to-millions-blog-i-still-dont-understand-why-you-fight-who-cares/</loc><lastmod>2013-06-21T10:10:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/01/bogle-would-love-to-be-able-to-start-over-and-to-advocate-valuation-informed-indexing-rather-than-buy-and-hold/</loc><lastmod>2013-07-04T09:09:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/02/vii-113-stocks-in-a-bull-market-the-respectable-ponzi-scheme/</loc><lastmod>2012-09-28T14:39:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/03/beyond-buy-and-hold-109-life-cycle-investing-wont-work-if-you-dont-consider-valuations/</loc><lastmod>2012-09-28T14:51:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/04/vii-114-there-are-12-trillion-reasons-why-buy-and-hold-became-so-popular/</loc><lastmod>2012-10-04T09:00:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/05/i-am-hated-by-many-buy-and-holders-for-the-same-reason-that-john-bogle-was-hated-by-the-pre-indexers/</loc><lastmod>2013-07-04T09:09:54-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/08/ten-years-of-trying-to-pull-me-down-have-perhaps-not-worked-out-precisely-as-expected/</loc><lastmod>2012-10-05T11:06:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/09/your-loyalty-should-be-to-your-readers-not-to-people-who-have-the-power-to-advance-your-career/</loc><lastmod>2012-10-05T10:31:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/10/why-the-heck-would-i-want-to-destroy-the-credibility-of-the-academic-researcher-who-has-done-more-than-any-other-to-advance-the-investing-strategy-that-i-believe-is-going-to-pull-us-out-of-this-econ/</loc><lastmod>2013-07-27T14:58:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/11/7497/</loc><lastmod>2013-06-25T14:54:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/12/we-are-the-first-generation-of-investors-who-has-available-to-them-the-research-needed-to-turn-stock-investing-into-a-high-return-virtually-risk-free-endeavor/</loc><lastmod>2012-10-05T10:59:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/15/retired-at-48-i-would-occasionally-get-a-response-post-saying-i-was-the-best-since-hocus-challenged-us-to-think/</loc><lastmod>2013-06-25T14:52:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/16/obamas-debate-performance-and-buyhold/</loc><lastmod>2012-10-16T09:36:37-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/17/the-choice-to-remain-at-the-same-allocation-in-the-face-of-dramatic-valuation-changes-is-an-actionchoice-to-change-ones-risk-profile-dramatically/</loc><lastmod>2012-10-16T15:39:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/18/i-only-hope-that-the-day-will-soon-come-when-old-saint-jack-will-be-working-beside-me/</loc><lastmod>2013-06-25T14:48:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/19/we-need-diversified-incentives-for-stock-sellers/</loc><lastmod>2013-07-04T09:10:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/22/the-same-emotional-roadblocks-that-make-it-hard-to-bloggers-to-address-these-matters-make-it-hard-for-me-to-get-the-e-mails-out/</loc><lastmod>2013-07-27T14:40:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/23/it-does-hurt-me-when-i-get-no-reaction-from-most-or-a-hostile-reaction-from-the-goons-and-the-hurting-slows-down-my-efforts-to-get-the-word-out/</loc><lastmod>2013-06-25T14:46:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/24/intellectual-work-is-20-percent-of-the-work-i-have-done-over-the-past-10-years-the-hard-issues-are-emotional-issues/</loc><lastmod>2013-07-27T14:57:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/25/giving-good-investment-advice-is-taking-fantasy-dollars-out-of-peoples-poclets/</loc><lastmod>2013-06-25T14:43:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/26/when-i-send-those-e-mails-i-hurt-peoples-feelings-and-i-cause-people-to-hate-me/</loc><lastmod>2013-06-25T14:42:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/29/investor-junkie-in-rob-bennetts-case-he-was-banned-for-no-known-listed-forum-policy-except-his-viewpoint-was-different-from-other-bogleheads-and-he-was-perceived-as-a-threat/</loc><lastmod>2013-06-25T14:40:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/30/invest-it-wisely-blog-links-to-my-article-on-the-intimidation-tactics-employed-by-the-buy-and-holders-to-silence-academic-researcher-wade-pfau/</loc><lastmod>2013-06-21T10:13:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/10/31/i-cannot-put-on-a-john-bogle-mask-and-say-the-words-he-needs-to-say-and-have-that-act-achieve-the-effect-we-need-to-achieve-here-i-need-bogles-help-i-need-your-help-in-securing-bogle/</loc><lastmod>2013-06-22T17:22:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/01/people-have-been-dropping-veiled-hints-for-30-years-and-there-are-still-people-pushing-buy-and-hold-today-we-need-to-do-the-wild-thing/</loc><lastmod>2012-10-28T20:11:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/30/financial-highway-article-14-three-phony-criticism-of-buy-and-hold/</loc><lastmod>2012-11-30T11:24:31-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/09/financial-highway-article-15-it-doesnt-cost-much-more-to-have-a-retirement-plan-that-lasts-forever/</loc><lastmod>2012-10-28T20:29:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/05/the-answer-is-for-people-to-accept-that-there-are-two-models-and-not-be-so-defensive-we-all-need-to-acknowledge-that-the-other-guy-is-a-friend-and-someone-who-is-trying-to-help/</loc><lastmod>2013-07-01T15:50:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/06/the-only-way-it-could-be-off-topic-for-me-to-try-to-help-my-friend-jack-bogle-learn-about-the-mistakes-he-has-made-and-to-get-on-the-right-track-is-if-bogle-was-a-100-percent-corru/</loc><lastmod>2013-07-18T19:33:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/07/dallas-morning-news-columnist-scott-burns-to-rob-bennett-if-you-didnt-view-everything-as-a-highly-personal-and-heroic-struggle-pitting-you-against-the-evil-ignorance-and-untruth-of-anyone-who-di/</loc><lastmod>2013-07-01T15:49:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/08/rob-bennett-to-dallas-morning-news-columnist-scott-burns-perhaps-i-am-one-of-the-unfortunate-humans-who-cannot-see-his-own-flaws-even-when-they-are-pointed-out-to-him-i-feel-that-i-can-say-that/</loc><lastmod>2013-07-01T15:48:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/12/i-dont-think-buy-and-hold-can-ever-work-for-a-single-investor-in-the-long-term-and-i-can-point-to-academic-research-showing-that-to-be-the-case-thats-the-controversy/</loc><lastmod>2013-07-01T15:47:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/02/kevin-at-the-invest-it-wisely-blog-i-dont-usually-mind-a-little-bit-of-controversy-but-i-was-contacted-by-the-person-in-question-academic-researcher-wade-pfau-and-asked-to-take-it-down/</loc><lastmod>2013-06-21T11:01:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/13/juggling-dynamite-blog-links-to-my-article-on-the-threats-used-to-intimidate-academic-researcher-wade-pfau-into-not-publishing-further-research-on-the-dangers-of-buy-and-hold-strategies/</loc><lastmod>2013-06-21T10:57:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/14/fama-missed-one-critical-factor-the-desire-of-the-wall-street-con-men-to-make-a-bundle-at-the-expenses-of-the-middle-class/</loc><lastmod>2013-07-18T19:55:23-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/16/money-mustache-blogger-the-interpersonal-he-saidshe-said-stuff-is-something-i-try-not-to-get-involved-in-since-there-is-always-an-unlimited-supply-of-complainers-against-any-good-idea/</loc><lastmod>2013-06-21T10:54:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/15/jesses-cafe-americain-blog-links-to-my-article-on-the-silencing-of-academic-researcher-wade-pfau/</loc><lastmod>2013-06-21T10:55:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/26/say-that-the-financial-blogging-community-took-this-on-we-could-change-the-world-in-a-very-positive-way-lots-of-people-want-to-do-this-work-i-can-give-you-names/</loc><lastmod>2013-07-18T19:34:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/27/excessive-valuations-are-a-symptom-of-a-world-thats-drunk-on-an-absence-of-reason-thats-much-bigger-than-buy-and-hold-it-will-not-be-possible-to-remedy-the-distortions-in-the-financial-markets/</loc><lastmod>2013-07-03T17:00:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/28/when-you-attack-buy-and-hold-youre-attacking-peoples-religion-youre-attacking-prosperity-youre-attacking-american-and-all-thats-good-and-right-about-it-thats-why-they-wont-tolerate/</loc><lastmod>2013-07-03T17:00:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/29/wade-pfau-had-his-research-published-by-a-respectable-academic-journal-that-couldnt-happen-if-the-clampdown-were-100-percent-solid/</loc><lastmod>2013-07-03T17:00:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/19/the-big-picture-blog-reports-on-wade-pfaus-research-showing-the-superiority-of-valuation-informed-indexing-over-buy-and-hold/</loc><lastmod>2013-06-21T10:52:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/21/barry-ritholtz-links-to-my-article-on-why-buy-and-hold-investing-can-never-work-provides-the-a-rich-life-blog-with-the-biggest-traffic-day-in-its-history/</loc><lastmod>2013-06-21T10:51:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/11/23/as-someone-who-is-quite-familiar-with-the-academic-finance-research-on-this-topic-virtually-all-finance-professors-would-tell-you-to-buy-the-market-portfolio-and-hold-it-i-dont-think-that-buy-an/</loc><lastmod>2013-06-21T10:49:37-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/12/01/business-week-columnist-vivek-wadhwa-tweets-a-link-to-my-article-on-the-silencing-of-academic-researcher-wade-pfau/</loc><lastmod>2013-06-22T10:43:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/12/04/rich-toscano-at-pacific-capital-associates-its-great-to-see-a-finance-journalist-who-understands-that-valuations-matter-it-seems-that-efficient-market-zealotry-is-rampant-in-the-journalism-commu/</loc><lastmod>2013-06-22T10:45:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/12/05/we-dont-accept-the-phony-numbers-we-fear-the-emotional-pain-we-experience-when-our-longstanding-game-of-lets-pretend-is-exposed-to-daylight-we-are-ashamed/</loc><lastmod>2012-12-05T07:10:44-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/12/06/kent-thune-of-the-financial-philosopher-blog-the-buy-and-hold-phenomena-is-certainly-a-player-in-the-crisis-but-not-a-primary-cause/</loc><lastmod>2013-06-22T10:51:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/12/07/wade-pfau-is-a-wade-is-a-very-smart-fellow-he-just-had-never-thought-about-these-things-from-the-perspective-that-i-suggested-i-think-that-is-what-is-happening-with-just-about-everybody-on-the-buy/</loc><lastmod>2013-06-22T10:54:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/12/11/former-financial-analysts-review-editor-rob-arnott-to-rob-bennett-ive-had-similar-experiences-to-those-you-describe-my-work-has-often-triggered-overt-hostility-from-the-guardians-of-the-status-q/</loc><lastmod>2013-06-21T15:20:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/12/12/rob-bennett-to-former-financial-analysts-journal-editor-rob-arnott-the-illustrations-you-offer-of-the-problem-of-buy-and-hold-dogmatism-are-shocking-i-know-from-my-discussions-with-financial-plann/</loc><lastmod>2013-06-21T15:19:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/12/13/former-financial-analysts-journal-editor-rob-arnott-to-rob-bennett-im-too-embroiled-in-my-own-controversies-to-magnify-them-further-with-collaboration-your-ideas-about-valuation-informed-indexi/</loc><lastmod>2013-06-21T15:18:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/12/18/ive-essentially-promoted-valuation-informed-indexing-in-my-work-over-the-years-although-ive-never-called-it-that/</loc><lastmod>2013-06-21T12:53:11-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/12/10/law-lecturer-albert-sanchez-graells-the-situation-referring-to-the-intimidation-tactics-used-to-silence-academic-researcher-wade-pfaus-reporting-of-the-dangers-of-buy-and-hold-investing-strategi/</loc><lastmod>2013-06-21T15:24:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/12/14/even-if-wade-pfau-no-longer-believed-those-things-the-fact-that-he-once-believed-those-things-would-be-news-with-majhow-could-someone-who-holds-a-ph-d-in-economics-from-princeton-come-to-believe/</loc><lastmod>2013-06-22T17:39:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/12/17/7766/</loc><lastmod>2012-12-13T16:50:30-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/12/19/since-there-is-only-one-person-taking-in-the-idea-when-i-send-an-e-mail-describing-valuation-informed-indexing-there-is-none-of-the-negative-group-dynamic-that-has-poisoned-discussions-so-many-time/</loc><lastmod>2013-06-21T11:41:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/12/21/if-you-run-into-someone-who-you-think-might-have-an-interest-in-valuation-informed-indexing-share-the-e-mail-with-him-you-dont-even-need-to-endorse-it-just-pass-the-information-along-thats-h/</loc><lastmod>2013-06-21T11:37:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2012/12/20/people-make-the-point-made-by-rob-arnott-about-my-stridency-all-the-time-the-majority-of-people-who-hear-my-case-do-not-like-the-way-i-present-it/</loc><lastmod>2013-07-03T16:59:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/02/people-fear-what-a-john-bogle-with-all-his-connections-and-influence-and-money-can-do-to-them-if-they-cross-him-only-jack-himself-can-change-the-public-perception-that-has-grown-over-the-pas/</loc><lastmod>2013-07-01T15:28:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/03/7796/</loc><lastmod>2013-01-03T07:41:50-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/04/i-put-up-a-post-reporting-on-the-errors-in-the-old-school-safe-withdrawal-rate-studies-many-years-before-any-of-the-experts-in-this-field-had-discovered-them/</loc><lastmod>2013-07-01T15:28:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/07/beyond-buy-and-hold-110-why-30-year-stock-returns-are-far-more-stable-than-10-year-returns/</loc><lastmod>2013-01-07T07:28:16-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/08/beyond-buy-and-hold-111-stock-cycles-are-real/</loc><lastmod>2013-01-08T07:43:23-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/09/beyond-buy-and-hold-112-having-too-much-investing-information-is-just-as-bad-as-having-no-investing-information-at-all/</loc><lastmod>2013-01-09T07:48:13-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/10/beyond-buy-and-hold-113-buy-and-hold-works-better-but-not-at-all-well-after-the-passage-of-30-years/</loc><lastmod>2013-01-10T08:06:07-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/11/beyond-buy-and-hold-114-four-valuation-informed-indexing-portfolio-allocation-strategies/</loc><lastmod>2013-01-11T07:17:17-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/14/valuation-informed-indexing-115-leading-figures-in-the-investing-field-should-be-planning-their-response-to-the-next-price-crash/</loc><lastmod>2013-01-14T07:33:33-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/15/valuation-informed-indexing-116-shiller-does-not-fully-appreciate-the-most-far-reaching-implications-of-his-own-investing-theory/</loc><lastmod>2013-01-15T07:40:10-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/16/valuation-informed-indexing-117-market-crash-inevitable-regardless-of-who-wins-the-elections/</loc><lastmod>2013-01-16T07:45:54-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/17/valuation-informed-indexing-118-its-a-thin-line-between-love-and-hate-of-stocks/</loc><lastmod>2013-01-17T07:51:29-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/18/valuation-informed-indexing-119-investors-know-the-valuation-level-without-checking-it/</loc><lastmod>2013-07-01T15:26:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/21/valuation-informed-indexing-120-behavioral-finance-hasnt-amounted-to-much-yet/</loc><lastmod>2013-01-21T07:11:51-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/22/valuation-informed-indexing-121-federal-reserve-interventions-cannot-prop-up-stock-market-prices/</loc><lastmod>2013-01-22T07:12:50-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/23/valuation-informed-indexing-122-two-growth-paths-for-your-stock-portfolio-over-the-next-30-years/</loc><lastmod>2013-01-23T07:18:15-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/24/valuation-informed-indexing-123-shillers-chilling-words-about-the-limits-to-tolerated-discussion-of-the-investing-realities/</loc><lastmod>2013-01-24T07:51:30-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/25/valuation-informed-indexing-124-why-most-of-us-dont-feel-comfortable-with-free-discussion-of-the-investing-realities/</loc><lastmod>2013-01-25T07:56:23-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/28/valuation-informed-indexing-125-rob-arnott-says-my-investing-ideas-are-sound-but-that-i-am-too-strident/</loc><lastmod>2013-01-03T15:08:10-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/29/where-i-do-not-agree-with-you-is-re-your-suggestion-that-because-i-cannot-prevail-alone-and-because-i-cannot-prevail-today-i-should-give-up-somebody-has-to-do-this-if-no-one-does-this-job-we-al/</loc><lastmod>2013-07-01T15:25:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/30/bogle-associates-with-people-who-make-death-threats-and-fails-to-speak-up-about-it-thats-what-gives-the-goons-the-power-they-possess-today/</loc><lastmod>2013-06-22T17:21:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/01/31/the-no-data-retirement-study-meme/</loc><lastmod>2013-01-20T07:09:19-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/01/valuation-informed-indexing-126-the-old-and-new-thinking-on-stocks-vs-bonds/</loc><lastmod>2013-01-20T12:13:13-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/04/valuation-informed-indexing-127-overvaluation-is-the-one-market-inefficiency-that-investors-will-always-be-able-to-exploit/</loc><lastmod>2013-01-20T12:18:55-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/05/valuation-informed-indexing-128-its-irresponsible-not-to-urge-higher-stock-allocations-at-times-of-low-stock-prices/</loc><lastmod>2013-01-24T05:18:07-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/06/academia-is-often-subject-to-self-serving-bias-that-obliterates-ethical-bounds/</loc><lastmod>2013-06-22T11:30:01-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/07/we-are-talking-about-research-which-is-science-not-opinion-but-we-have-different-opinions-about-what-the-research-shows/</loc><lastmod>2013-01-29T19:17:23-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/08/if-you-want-to-stop-me-you-will-get-your-powerful-wall-street-friends-to-crush-me-with-lawsuits/</loc><lastmod>2013-06-25T14:28:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/11/valuation-informed-indexing-129-the-safe-withdrawal-rate-scandal-continues/</loc><lastmod>2013-01-29T19:31:09-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/13/you-cant-use-cognitive-dissonance-as-an-excuse-for-putting-forward-death-threats-and-tens-of-thousands-of-acts-of-defamation-and-threats-to-get-academic-researchers-fired-from-their-jobs-thats/</loc><lastmod>2013-07-31T18:23:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/12/it-is-natural-that-powerful-people-will-do-what-they-can-to-protect-their-interest-it-is-the-norm-in-the-academic-world-and-in-the-broader-world-i-am-grateful-that-you-write-about-it/</loc><lastmod>2013-06-22T11:27:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/18/carolyn-mcclanahan-director-of-financial-planning-at-life-planning-partners-inc-valuation-informed-indexing-is-the-same-song-we-sing-glad-you-belong-to-the-same-choir-we-do/</loc><lastmod>2013-06-22T11:26:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/14/valuation-informed-indexing-130-buy-and-hold-can-give-good-results-for-30-years-and-still-not-work-as-an-investing-strategy/</loc><lastmod>2013-02-09T12:20:45-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/21/you-might-want-to-consult-some-of-the-academic-research-on-keynes-investment-strategies-which-sound-similar-to-value-indexing/</loc><lastmod>2013-06-22T11:21:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/20/carol-osler-program-director-for-the-lemberg-masters-in-international-economics-and-finance-at-the-brandeis-international-business-school-i-certainly-have-seen-the-academic-profession-in-action-sq/</loc><lastmod>2013-06-22T11:23:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/22/michael-brennan-a-finance-professor-at-ucla-anderson-school-of-management-a-lot-of-harm-was-done-by-misunderstanding-the-efficient-markets-hypothesis/</loc><lastmod>2013-06-22T11:08:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/25/academic-research-in-business-can-often-be-debatable-and-often-controversial-and-inconclusive/</loc><lastmod>2013-06-22T11:08:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/27/you-cant-use-cognitive-dissonance-as-an-excuse-for-putting-forward-death-threats-and-tens-of-thousands-of-acts-of-defamation-and-threats-to-get-academic-researchers-fired-from-their-jobs-thats-2/</loc><lastmod>2013-07-03T16:58:37-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/28/university-of-siena-economics-professor-roberto-reno-your-article-was-thoughtful-even-if-i-dont-like-too-much-the-conspiracy-idea-for-what-it-may-count-i-am-not-pressured-by-anyone-in-my-resea/</loc><lastmod>2013-06-22T11:04:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/01/law-professor-brad-borden-this-my-article-on-the-silencing-of-academic-researcher-wade-pfau-by-the-buy-and-hold-mafia-is-interesting-im-curious-however-to-know-why-you-chose-to-contact-me/</loc><lastmod>2013-06-22T11:53:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/04/professor-jacob-goldenberg-threats-like-this-if-indeed-it-happened-are-unjustified/</loc><lastmod>2013-06-22T11:49:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/15/valuation-informed-indexing-131-why-my-claims-about-buy-and-hold-sound-strident/</loc><lastmod>2013-02-14T15:51:55-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/06/guru-well-in-1995-we-thought-7-percent-would-work-under-all-conditions-but-that-was-then-this-is-now/</loc><lastmod>2013-07-01T15:22:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/07/john-bogle-is-drunk-you-know-hes-suffering-from-cognitive-dissonance-thats-like-being-drunk-he-is-not-capable-of-thinking-clearly-and-making-good-decisions/</loc><lastmod>2013-06-22T17:20:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/08/the-pe10-value-can-never-be-priced-in-a-crazy-person-never-knows-that-he-is-crazy-if-he-did-he-would-be-sane-so-overvaluation-can-never-be-priced-in-thats-why-pe10-is-a-metric-like-not-othe/</loc><lastmod>2013-02-14T16:23:59-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/13/rob-your-claim-that-a-65-percent-price-drop-is-the-default-expectation-is-just-absurd-breathtakingly-absurd/</loc><lastmod>2013-02-15T11:15:11-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/14/rob-arnott-is-100-percent-correct-to-fault-stridency-but-failing-to-speak-up-about-criminal-acts-is-not-charity-it-is-cowardice/</loc><lastmod>2013-06-25T13:56:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/15/people-will-start-making-money-from-valuation-informed-indexing-once-the-social-taboo-is-lifted-new-calculators-will-be-created-books-will-be-published-there-wont-be-one-academic-researcher-sho/</loc><lastmod>2013-07-01T15:21:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/19/valuation-informed-indexing-132-we-dont-understand-what-the-word-overvaluation-means/</loc><lastmod>2013-02-19T10:34:36-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/11/brad-delong-now-robert-shiller-appears-to-be-doing-fine-with-his-papers-showing-extraordinary-degrees-of-mean-reversion-in-yields/</loc><lastmod>2013-06-22T11:46:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/18/economics-professor-sumon-bhaumik-while-i-am-well-aware-of-the-failing-of-my-discipline-in-the-recent-past-i-do-not-have-the-same-degree-of-concern-about-it-as-you/</loc><lastmod>2013-06-22T11:40:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/25/harvard-law-school-professor-alain-lempereur-it-is-not-easy-to-work-on-this-kind-of-topic-i-can-testify-too/</loc><lastmod>2013-06-22T11:34:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/01/george-rossolatos-author-of-the-the-disruptive-semiotics-blog-ive-familiar-with-this-script-it-is-part-of-a-trilogy-that-might-be-called-double-binds-in-a-spiraling-funfare/</loc><lastmod>2013-06-22T12:13:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/20/realty-mogul-site-interviews-rob-bennett/</loc><lastmod>2013-02-25T15:54:50-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/21/what-do-you-want-in-an-investment-advisor-do-you-want-someone-who-whispers-pretty-lies-in-your-ear/</loc><lastmod>2013-07-01T15:20:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/22/the-wall-street-con-men-have-huge-war-chests-they-can-put-to-use-destroying-people-who-tell-the-truth-about-stock-investing/</loc><lastmod>2013-06-25T13:53:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/27/where-did-my-good-friend-jack-get-that-15-percent-number-he-pulled-it-out-of-his-backside/</loc><lastmod>2013-07-01T15:19:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/28/investors-who-do-not-engage-in-long-term-timing-are-not-exercising-price-discipline-no-market-can-function-if-a-large-number-of-participants-are-not-exercising-price-discipline-we-need-to-be-encoura/</loc><lastmod>2013-07-01T15:19:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/29/i-know-more-about-what-works-in-stock-investing-than-most-experts-in-this-field-because-i-abandoned-buy-and-hold-in-august-2002-when-greaney-advanced-his-first-death-threat-and-hundreds-of-buy-and/</loc><lastmod>2013-02-25T17:38:43-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/03/my-personal-preference-would-be-to-find-some-way-that-no-one-would-go-to-jail-for-years-i-did-all-in-my-power-to-make-that-a-reality-i-dont-think-thats-possible-today/</loc><lastmod>2013-07-01T15:18:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/04/i-have-attended-two-years-of-the-financial-bloggers-conference-letting-all-my-fellow-bloggers-know-how-important-it-is-that-we-all-work-to-bring-the-campaign-of-terror-to-a-full-and-complete-stop/</loc><lastmod>2013-04-04T08:59:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/05/you-are-angry-with-me-because-you-are-trying-to-suppress-a-part-of-yourself-that-knows-that-i-am-right-you-hate-me-because-you-hate-the-part-of-yourself-that-causes-you-to-suppress-your-capacity-to/</loc><lastmod>2013-07-01T15:17:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/02/26/valuation-informed-indexing-133-stock-market-prices-dont-reflect-economic-realities/</loc><lastmod>2013-02-26T11:34:42-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/10/i-am-indeed-slow-to-act-some-interpret-that-as-a-lack-of-courage-my-take-is-that-it-is-better-understood-as-a-situational-kind-of-courage-i-need-to-be-very-sure-before-i-become-unbending/</loc><lastmod>2013-02-26T12:06:44-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/11/an-entire-industry-is-going-to-have-to-be-rebuilt-the-freakin-textbooks-are-going-to-need-to-be-rewritten-thats-whats-holding-us-back/</loc><lastmod>2013-07-01T15:16:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/12/we-are-going-up-against-heavy-hitters-vanguard-motley-fool-the-get-rich-slowly-blog-index-universe-morningstar-the-bogleheads-forum/</loc><lastmod>2013-06-25T11:43:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/08/marcelle-chauvet-a-professor-in-the-department-of-economics-at-the-university-of-california-at-riverside-i-totally-agree-the-only-thing-is-the-cost-of-obtaining-information-as-opposed-to-buy-and/</loc><lastmod>2014-08-02T04:56:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/17/there-are-millions-of-people-who-dont-contribute-to-internet-discussions-today-because-they-fear-the-tricks-that-people-like-you-will-play-on-them-if-they-share-the-internet-is-not-only-for-socia/</loc><lastmod>2013-07-01T15:14:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/18/i-have-engaged-in-hard-self-evaluation-every-day-for-10-years-running-now-i-have-come-to-the-conclusion-that-it-is-possible-that-i-am-wrong/</loc><lastmod>2013-07-01T15:03:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/19/people-do-not-post-comments-here-and-people-do-not-link-to-me-they-are-afraid-to-do-so-i-had-tons-of-support-before-greaney-threatened-to-kill-family-members-of-any-poster-who-expressed-support-f/</loc><lastmod>2013-06-25T11:42:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/24/jack-bogle-owes-every-investor-who-has-followed-a-buy-and-hold-strategy-an-explanation-of-why-he-did-not-correct-the-errors-he-made-promptly-following-shillers-publication-of-research-showing-them/</loc><lastmod>2013-07-01T15:01:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/15/scott-burris-the-fact-that-aggressive-and-short-term-market-timing-was-unproductive-did-not-mean-that-there-were-never-times-that-it-would-be-wealth-maximizing-to-get-out-of-the-market/</loc><lastmod>2013-06-22T12:09:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/22/25-year-cpa-lyn-graham-this-sort-of-intimidation-is-not-acceptable-the-cigarette-and-pharmaceutical-industries-found-research-supporting-their-products-by-funding-it-but-this-is-big-money-support/</loc><lastmod>2013-07-15T17:43:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/25/as-word-gets-out-about-this-and-people-see-that-those-of-is-who-talk-openly-about-it-are-not-being-destroyed-more-and-more-people-will-feel-safe-coming-forward/</loc><lastmod>2013-07-01T15:00:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/26/25-year-cpa-lyn-graham-one-direction-for-a-person-working-with-such-perceived-threats-is-to-work-under-the-visible-level-the-other-is-to-be-very-visible-and-make-it-difficult-for-the-threats-to-be/</loc><lastmod>2013-06-22T12:05:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/29/economics-professor-valeriy-zakamulin-i-would-not-agree-that-all-academic-professors-deny-the-existence-of-predictability-if-a-paper-that-supports-predictability-is-not-accepted-this-usually-does/</loc><lastmod>2013-06-22T12:03:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/30/economics-professor-valeriy-zakamulin-we-cannot-assume-the-existence-of-predictability-just-because-there-are-no-studies-that-fully-reject-it/</loc><lastmod>2013-06-22T12:01:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/01/the-problem-we-have-is-a-circular-one-the-experts-say-that-buy-and-hold-can-work-because-this-is-what-people-want-to-hear-and-the-people-want-to-hear-it-because-in-an-earlier-time-they-were-persua/</loc><lastmod>2013-06-22T12:27:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/02/economics-professor-valeriy-zakamulin-i-can-understand-why-robert-shiller-cannot-tell-people-about-all-his-ideas-on-how-stock-investing-works-he-must-act-very-professionally-he-can-only-tell-thos/</loc><lastmod>2013-06-22T12:26:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/03/8084/</loc><lastmod>2013-06-22T12:25:37-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/06/we-were-at-3x-in-2000-we-will-be-at-0-5x-when-this-is-over-thats-a-loss-for-every-stock-investor-of-five-sixths-of-his-accumulated-wealth-of-a-lifetime/</loc><lastmod>2013-06-22T12:24:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/07/economics-professor-valeriy-zakamulin-if-the-bubble-occurs-it-is-rational-to-participate-in-it/</loc><lastmod>2013-06-22T12:23:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/08/investors-should-always-aim-to-keep-their-risk-profile-right-whether-the-economic-outlook-is-bright-doesnt-matter-that-is-cooked-into-the-price-so-it-doesnt-need-a-separate-analysis/</loc><lastmod>2013-06-22T12:22:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/09/economic-professor-valeriy-zakamulin-if-stocks-are-no-longer-risky-they-should-provide-the-same-return-as-money-markets-rob-bennett-you-are-touching-on-the-white-hot-core-of-the-dispute/</loc><lastmod>2013-06-22T12:21:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/10/economics-professor-valeriy-zakamulin-what-you-basically-say-is-that-an-index-portfolio-should-eliminate-all-risk-this-is-somewhat-related-to-the-old-markowitz-idea-of-diversification-when-you/</loc><lastmod>2013-06-22T12:20:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/13/economics-professor-valeriy-zakamulin-in-1982-the-yield-on-10-year-government-bonds-approached-15-annual-this-was-much-more-than-one-could-get-from-risky-stocks-the-prices-of-which-has-been-decre/</loc><lastmod>2013-06-22T12:19:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/14/economics-professor-valeriy-zakamulin-i-do-believe-that-stock-returns-are-to-some-extent-predictable-both-in-the-short-and-long-term-but-i-do-not-accept-that-stock-returns-are-highly-predictable/</loc><lastmod>2013-06-22T12:18:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/15/i-dont-understand-why-you-say-that-those-who-used-pe10-to-predict-long-term-returns-would-at-one-time-have-been-off-wade-checked-the-entire-140-years-of-stock-market-history-available-to-us/</loc><lastmod>2013-06-22T12:17:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/16/theres-another-story-here-the-story-of-why-this-the-errors-in-the-old-school-safe-withdrawal-rate-studies-is-only-coming-out-now/</loc><lastmod>2013-07-01T14:59:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/05/valuation-informed-indexing-134-is-the-lowest-possible-safe-withdrawal-rate-1-6-percent-or-2-percent/</loc><lastmod>2013-07-03T16:58:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/17/ive-never-met-a-dumb-buy-and-holder-if-youre-dumb-youre-not-able-to-rationalize-that-effectively/</loc><lastmod>2013-07-01T14:58:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/24/i-have-publicly-declared-my-intent-to-have-the-bogleheads-forum-added-to-my-site-as-a-sub-domain-its-the-top-investing-board-on-the-internet-today/</loc><lastmod>2013-06-22T17:13:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/27/i-cannot-commit-perjury-myself-so-i-cannot-make-the-past-11-years-go-away-i-am-100-sincere-about-doing-all-that-i-can-short-of-committing-perjury-to-help-you-out/</loc><lastmod>2013-07-01T14:55:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/12/valuation-informed-indexing-135-my-response-to-the-seeking-alpha-article-saying-pe10-doesnt-work/</loc><lastmod>2013-03-12T10:28:54-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/19/valuation-informed-indexing-136-wall-street-doesnt-benefit-from-the-promotion-of-buy-and-hold/</loc><lastmod>2013-03-19T09:03:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/26/valuation-informed-indexing-137-investors-know-more-than-they-know-they-know/</loc><lastmod>2013-03-26T09:20:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/02/valuation-informed-indexing-138-will-it-be-okay-to-say-i-told-you-so-after-the-next-crash/</loc><lastmod>2013-04-02T12:53:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/09/valuation-informed-indexing-139-our-mixed-up-ideas-about-stock-investing-risk/</loc><lastmod>2013-04-09T09:52:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/16/valuation-informed-indexing-140-stocks-will-be-insanely-overpriced-and-insanely-underpriced-at-least-once-in-your-lifetime/</loc><lastmod>2013-04-16T09:01:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/04/23/valuation-informed-indexing-141-even-stockbrokers-want-to-feel-that-they-are-doing-good-work/</loc><lastmod>2013-04-23T08:42:11-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/21/valuation-informed-indexing-143-using-a-variable-withdrawal-rate-is-no-advance-over-using-a-fixed-one/</loc><lastmod>2013-05-14T17:50:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/29/there-is-no-such-thing-as-an-expert-in-a-field-in-which-we-are-as-a-society-only-beginning-to-come-to-terms-with-the-most-fundamental-questions-when-buy-and-hold-was-developed-there-were-smart/</loc><lastmod>2013-07-01T14:54:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/30/i-am-the-most-knowledgeable-person-today-on-the-subject-of-how-average-middle-class-people-should-invest-in-stocks-not-because-i-spent-20-years-in-school-or-possess-a-genius-level-i-q-it-is-because/</loc><lastmod>2013-05-12T18:30:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/31/the-buy-and-hold-mafia-used-its-power-and-money-and-influence-to-cover-up-the-errors-in-those-retirement-studies-if-you-are-capable-of-imagining-a-scenario-in-which-the-people-who-led-the-cover-up/</loc><lastmod>2013-07-01T14:53:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/03/if-you-had-been-banned-on-one-or-two-boards-one-could-say-that-maybe-there-was-the-possibility-that-someone-overreacted-in-banning-you-however-when-you-see-that-it-is-consistent-behavior-from-you/</loc><lastmod>2013-06-25T11:40:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/05/you-try-to-dominate-all-conversations-your-posts-make-up-80-percent-of-the-content-you-rarely-consider-other-comments-the-volume-of-your-posts-was-huge-like-always-and-in-the-course-of-24-hour/</loc><lastmod>2013-06-25T11:38:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/06/it-doesnt-matter-even-if-you-are-right-not-one-bit-because-everyone-thinks-you-are-a-complete-ass-and-you-will-be-long-forgotten-when-someone-actually-does-anything-semi-productive-with-the-vag/</loc><lastmod>2013-06-25T11:36:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/07/people-wont-tell-you-to-your-face-that-you-are-an-ass-you-admit-that-you-have-been-doing-this-for-11-years-do-you-notice-that-your-message-is-not-going-anywhere-wake-up-rob/</loc><lastmod>2013-07-03T16:57:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/10/people-respect-and-admire-jack-bogle-when-he-sees-a-mel-lindauer-behaving-in-the-manner-in-which-mel-linduaer-behaves-and-does-nothing-about-it-that-scares-people/</loc><lastmod>2013-06-22T17:12:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/12/i-had-a-discussion-about-this-with-my-mother-shortly-before-she-dies-she-said-that-maybe-all-that-i-am-trying-to-teach-people-is-going-to-become-widely-accepted-after-my-death-oh-great-i-pray/</loc><lastmod>2013-07-01T14:49:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/13/ive-taken-on-the-buy-and-hold-mafia-spraky-ive-been-hearing-threats-every-day-for-11-years-running-now/</loc><lastmod>2013-06-30T20:27:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/14/hearing-doubts-expressed-is-disconcerting-it-hurts-especially-if-in-some-part-of-their-minds-they-entertain-similar-doubts-i-have-said-many-things-that-have-caused-many-buy-and-holders-to-feel-pa/</loc><lastmod>2013-06-30T20:25:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/17/what-you-are-seeing-here-is-the-power-of-compounding-returns-applied-to-investing-when-you-lose-money-in-a-crash-you-lose-not-only-the-number-of-dollars-you-lose-directly-in-the-crash-you-also-lo/</loc><lastmod>2013-06-30T20:23:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/19/jack-bogle-obviously-knows-that-it-was-a-criminal-act-of-financial-fraud-for-the-goons-to-threaten-to-get-wade-pfau-fired-from-his-job-as-his-punishment-for-publishing-honest-research-we-will-l/</loc><lastmod>2013-06-22T17:11:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/20/wade-pfau-has-a-ph-d-in-economics-from-princeton-wade-spent-months-trying-to-find-a-study-showing-that-long-term-timing-is-not-required-he-never-found-one-he-was-amazed-he-kept-thinking-that-he/</loc><lastmod>2013-06-30T20:22:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/21/emotion-informed-investing-is-the-future-emotion-ignorant-investing-buy-and-hold-is-the-past-bogle-should-be-interviewed-in-psychology-today-he-couldnt-handle-it-today-but-once-he-brings-hi/</loc><lastmod>2013-06-30T20:21:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/24/a-good-number-of-the-people-who-came-to-the-internet-in-its-early-days-came-to-view-it-as-their-private-playground-they-came-to-believe-that-you-can-say-anything-you-please-on-the-internet-and-not/</loc><lastmod>2013-06-30T20:19:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/26/there-have-been-numerous-articles-in-big-name-publications-picking-up-on-my-2002-finding-that-the-old-school-safe-withdrawal-rate-studies-get-the-numbers-wildly-wrong-none-of-them-describe-the-deat/</loc><lastmod>2013-06-25T11:32:11-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/27/when-you-mix-research-and-emotion-you-dont-get-something-better-than-emotion-alone-you-get-something-far-far-worse-mix-research-and-emotion-and-you-get-investors-who-not-only-are-emotional-but/</loc><lastmod>2013-06-30T20:12:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/28/i-believe-that-what-i-have-done-in-the-investing-field-can-be-done-in-lots-of-fields-by-people-possessing-a-reasonable-amount-of-intelligence-all-that-i-possess-who-take-advantage-of-opportunities/</loc><lastmod>2013-06-30T20:11:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/01/im-in-the-strange-situation-where-i-would-benefit-from-more-competition-if-there-were-more-people-saying-what-i-am-saying-people-would-feel-there-was-less-risk-in-quoting-me-and-i-would-get-more-c/</loc><lastmod>2013-07-01T11:24:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/03/the-experts-wont-tell-you-this-most-of-the-experts-in-this-field-make-money-only-when-people-buy-stocks-so-they-are-compromised-you-need-to-become-personally-familiar-with-what-the-acad/</loc><lastmod>2013-06-30T20:10:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/05/for-80-of-investors-there-is-one-factor-that-determines-whether-they-obtain-good-results-or-not-it-is-a-factor-to-which-they-pay-close-to-zero-attention-that-factor-is-the-valuation-level-that-a/</loc><lastmod>2013-05-13T16:00:23-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/08/wall-street-doesnt-want-people-to-know-about-the-stock-return-predictor-because-it-lets-people-know-when-stocks-are-so-overpriced-that-they-are-not-worth-buying/</loc><lastmod>2013-06-30T20:09:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/10/rob-awesome-post-i-suggest-all-read-it-some-sharp-creative-thinking-trying-to-be-there-before-the-gold-rush-to-a-new-niche-is-an-interesting-bet-youll-be-the-name-if-it-happens-heck-yo/</loc><lastmod>2013-07-10T08:14:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/11/joachim-klement-cio-at-wellershoff-partners-i-can-confirm-your-experience-with-long-term-market-timing-it-does-work-and-we-use-it-in-out-firm-a-lot-the-funny-thing-is-that-we-gain-a-lot-of-tra/</loc><lastmod>2013-06-22T13:06:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/12/joachim-klement-cio-at-wellershoff-partners-i-can-confirm-wade-pfaus-experience-whenever-i-send-my-papers-to-the-financial-analysts-journal-or-similar-traditional-journals-i-get-rejected/</loc><lastmod>2013-06-22T13:05:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/15/joachim-klement-cio-at-wellershoff-partners-i-am-with-you-100-i-still-get-frustrated-with-the-slow-pace-of-progress-in-economics-and-finance-as-a-fan-of-thomas-kuhns-the-structure-of-scien/</loc><lastmod>2013-06-22T13:05:01-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/16/people-are-social-animals-they-need-to-hear-others-endorse-an-idea-to-have-confidence-in-it-it-would-make-a-huge-difference-if-there-were-a-place-where-people-could-go-to-find-out-that-lots-of-kno/</loc><lastmod>2013-06-22T13:04:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/17/joachim-klement-cio-at-wellershoff-partners-in-response-to-my-idea-of-forming-a-discussion-board-community-that-examines-the-implications-of-shillers-revolutionary-research-findings-i-will-ke/</loc><lastmod>2013-07-12T16:22:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/18/joachim-klement-cio-at-wellershoff-partners-inc-approach-the-journal-of-financial-planning-as-a-journalist-and-offer-to-write-a-series-of-three-articles-on-the-topic-of-long-term-market-timing/</loc><lastmod>2013-06-22T13:03:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/19/george-savickas-gwu-associate-finance-professor-i-thought-that-buy-and-hold-had-been-challenged-a-long-time-ago-and-many-academics-dont-believe-it/</loc><lastmod>2013-06-22T13:02:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/22/robert-savickas-gwu-associate-finance-professor-there-is-even-a-bigger-elephant-in-the-room-nobody-is-talking-about-we-had-too-much-party-in-the-markets-over-the-last-few-decades-this-is-unsusta/</loc><lastmod>2013-06-22T13:02:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/23/robert-savickas-gwu-associate-finance-professor-i-can-see-how-many-readers-would-be-put-off-by-the-somewhat-sensationalscandalist-tone-and-would-not-persevere-to-read-thinking-you-are-losing-you/</loc><lastmod>2013-07-22T10:19:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/24/re-the-issue-of-being-labeled-a-nut-im-afraid-that-its-a-bit-late-to-help-me-out-re-that-one/</loc><lastmod>2013-06-22T13:01:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/25/robert-savickas-gwu-associate-finance-professor-wow-i-did-not-realize-you-achieved-this-much-success-and-have-many-devoted-believersfollowers-thats-great-then-ignore-the-opposition-it-is-gr/</loc><lastmod>2013-06-22T13:00:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/26/robert-savickas-gwu-associate-finance-professor-this-valuation-informed-indexing-sounds-like-a-real-thing-if-it-is-and-i-can-thoroughly-understand-it-then-it-will-end-up-in-my-classrooms-and-i/</loc><lastmod>2013-07-22T12:04:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/29/robert-savickas-gwu-associate-finance-professor-all-the-things-you-say-about-buy-and-hold-and-about-the-importance-of-the-valuation-levels-for-choosing-your-portfolio-entry-points-is-very-intuitiv/</loc><lastmod>2013-06-22T12:59:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/30/lots-of-people-want-to-tell-the-truth-about-stock-investing-wade-does-bogle-does-bernstein-does-lots-of-my-blogger-friends-do-but-everyone-is-afraid-to-be-the-one-to-pin-the-bell-to-the-cat-wh/</loc><lastmod>2013-06-22T12:58:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/31/the-valuation-informed-indexer-is-indifferent-to-whether-prices-go-up-or-down-investors-who-are-indifferent-to-the-direction-of-short-term-price-changes-are-investors-who-truly-are-able-to-focus-on/</loc><lastmod>2013-07-29T15:32:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/01/robert-savickas-gwu-associate-finance-professor-all-you-say-makes-sense-i-agree-that-buy-and-hold-is-not-good-i-figure-that-everything-in-this-world-is-very-transitory-so-there-is-no-need-to-ge/</loc><lastmod>2013-07-27T10:12:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/02/my-take-is-that-the-buy-and-holders-came-within-one-step-of-developing-that-optimal-strategy-they-made-one-mistake-big-deal-once-we-fix-it-were-off-to-the-races-i-see-myself-as-the-person-who/</loc><lastmod>2013-08-02T10:27:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/05/robert-savickas-gwu-associate-finance-professor-the-more-i-live-and-the-more-i-learn-the-more-i-realize-how-naive-and-arrogant-we-humans-are-we-know-so-little-but-we-think-we-know-so-much/</loc><lastmod>2013-06-22T13:08:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/12/8326/</loc><lastmod>2013-06-30T13:17:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/20/valuation-informed-indexing-142-bad-retirement-studies-are-like-dirty-restrooms-they-are-a-sign-of-more-bad-stuff-that-you-cannot-see/</loc><lastmod>2013-05-15T14:57:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/22/valuation-informed-indexing-144-buy-and-holders-show-their-worries-in-discussions-of-failed-retirement-studies/</loc><lastmod>2013-05-15T15:02:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/23/valuation-informed-indexing-145-the-financial-crisis-and-the-systematic-failure-of-academic-economics/</loc><lastmod>2013-05-21T09:42:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/14/i-believe-in-something-called-anti-marketing-marketing-is-saying-whatever-you-need-to-say-to-get-people-to-like-you-anti-marketing-is-caring-so-much-about-integrity-that-you-are-willing-to-say/</loc><lastmod>2013-06-30T13:16:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/05/28/valuation-informed-indexing-145-the-financial-crisis-and-the-systematic-failure-of-academic-economics-2/</loc><lastmod>2013-05-28T10:49:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/04/valuation-informed-indexing-146-whats-missing-from-the-wall-street-journal-article-saying-goodbye-to-the-4-rule/</loc><lastmod>2013-06-04T09:27:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/15/if-google-has-moved-on-it-may-be-that-there-is-an-opportunity-opening-up-for-someone-else-to-focus-on-the-small-guy-side-of-things/</loc><lastmod>2013-06-30T20:07:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/16/it-hit-me-at-some-point-that-when-i-say-i-might-be-wrong-i-am-projecting-a-confidence-that-those-who-are-trying-to-silence-me-do-not-project/</loc><lastmod>2013-06-30T20:06:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/19/when-everyone-is-shouting-no-one-is-listening-everyone-deep-in-his-or-her-heart-wants-that-stuff-to-go-away/</loc><lastmod>2013-06-30T20:04:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/20/rosa-parks-won-her-fight-because-she-combined-determination-with-self-restraint-you-have-to-have-both-to-achieve-a-breakthrough-to-change-the-status-quo-you-need-to-be-better-than-the-people-tryi/</loc><lastmod>2013-06-30T20:03:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/21/if-jack-bogle-owned-a-barber-shop-here-in-purcellville-and-he-learned-that-mel-lindauer-was-using-his-name-to-promote-some-abusive-discussion-board-he-would-be-on-the-phone-to-the-purcellville-poli/</loc><lastmod>2013-06-30T13:12:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/22/wade-pfau-over-and-over-and-over-makes-clear-that-he-views-me-as-the-teacher-and-himself-as-the-student-in-the-16-months-of-e-mail-correspondence-in-which-we-developed-together-our-breakthrough-rese/</loc><lastmod>2013-06-30T13:11:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/23/the-responsible-thing-to-do-is-to-publicize-the-criminal-acts-in-hopes-that-it-will-cause-some-influential-people-to-work-up-the-courage-to-do-what-it-takes-to-bring-the-madness-to-an-end-and-thereb/</loc><lastmod>2013-06-30T19:54:11-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/26/ive-spoken-to-hundreds-of-experts-in-this-field-nearly-every-one-tells-the-same-basic-story-in-private-they-say-they-love-love-love-the-idea-of-being-able-to-tell-their-clients-what-they-trul/</loc><lastmod>2013-06-30T19:51:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/11/valuation-informed-indexing-146-two-thirds-of-investment-advisors-dont-believe-that-valuations-need-to-be-considered-at-all/</loc><lastmod>2013-06-11T09:12:37-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/18/valuation-informed-indexing-148-why-its-a-not-entirely-good-thing-that-robert-shiller-and-jeremy-siegel-are-personal-friends/</loc><lastmod>2013-06-18T09:22:23-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/06/25/valuation-informed-indexing-149-the-new-consensus-that-the-safe-withdrawal-rate-studies-are-in-error-is-the-first-step-toward-far-bigger-discoveries/</loc><lastmod>2013-06-25T10:49:46-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/02/valuation-informed-indexing-150-is-it-better-to-assume-that-stock-returns-are-predictable-or-that-they-are-not/</loc><lastmod>2013-07-02T09:14:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/10/valuation-informed-indexing-151-vii-both-appeals-to-and-repels-both-liberals-conservatives/</loc><lastmod>2013-07-10T08:12:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/07/31/the-july-2013-carnival-of-passive-investing/</loc><lastmod>2013-07-31T12:34:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/06/valuation-informed-indexing-152-buy-and-hold-and-valuation-informed-indexing-cannot-co-exist/</loc><lastmod>2013-08-06T09:42:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/07/valuation-informed-indexing-153-five-reasons-why-valuation-informed-indexing-always-beats-buy-and-hold-in-the-long-run/</loc><lastmod>2013-08-06T16:15:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/08/valuation-informed-indexing-154-why-advances-in-our-understanding-of-how-stock-investing-works-are-recognized-slowly/</loc><lastmod>2013-08-06T16:21:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/09/valuation-informed-indexing-155-critics-of-buy-and-hold-need-to-form-communities-where-their-criticisms-are-fully-developed/</loc><lastmod>2013-08-06T16:27:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/27/people-are-scared-they-will-become-less-scared-as-they-start-to-see-a-payoff-for-endorsing-valuation-informed-indexing-and-for-coming-forward-with-strong-words-of-warning-re-the-dangers-of-buy-and/</loc><lastmod>2013-08-06T17:01:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/28/i-am-a-patriot-i-am-serving-my-country-i-dont-have-bullets-flying-at-me-but-i-have-had-your-hate-and-anger-and-abuse-flying-at-me-for-11-years-now/</loc><lastmod>2013-08-06T18:14:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/29/it-was-made-clear-that-any-researcher-who-published-research-showing-the-huge-implications-of-shillers-breakthrough-finding-would-fine-his-or-her-career-ruined-by-the-buy-and-hold-mafia-signals-w/</loc><lastmod>2013-08-25T16:24:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/30/there-is-no-other-blogger-on-the-internet-who-has-won-even-a-tiny-percentage-of-the-positive-comments-from-big-name-experts-that-i-have-won-a-person-isnt-given-that-kind-of-endorsement-a-person/</loc><lastmod>2013-08-06T18:46:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/03/how-much-help-has-bogle-offered-or-bernstein-or-swedroe-or-ferri-this-is-not-a-one-man-job-the-stock-selling-industry-has-spent-hundreds-of-millions-promoting-buy-and-hold-i-need-a-few-hundred/</loc><lastmod>2013-08-06T18:55:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/04/the-problem-here-is-not-my-tone-which-suggests-a-massive-cover-up-the-problem-here-is-the-massive-cover-up-we-are-looking-at-the-most-massive-case-of-financial-fraud-ever-experienced-in-our-natio/</loc><lastmod>2013-08-06T19:01:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/05/have-you-asked-my-good-friend-jack-bogle-to-comment-on-that-study-the-bennettpfau-research-showing-that-long-term-timing-is-always-required-how-could-learning-something-hurt-you-or-jack/</loc><lastmod>2013-08-06T19:16:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/06/rob-bennetts-response-to-a-goon-claim-that-we-see-time-and-again-by-countless-studies-that-market-timing-has-been-a-failure-please-show-me-the-url-of-one/</loc><lastmod>2013-09-06T12:25:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/09/j-d-roth-never-told-the-truth-about-what-the-last-32-years-of-peer-reviewed-academic-research-says-about-what-works-in-stock-investing-thus-he-never-earned-the-undying-hate-of-the-buy-and-hold-ma/</loc><lastmod>2013-08-06T20:59:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/10/greaney-goon-to-rob-your-communication-is-often-abrasive-and-your-behavior-is-horrible-you-make-outrageous-claims-as-to-what-you-have-accomplished-despite-contrary-evidence-and-then-compare-yourse/</loc><lastmod>2013-08-06T21:05:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/11/the-prison-sentences-that-will-be-announced-if-bogle-gives-his-speech-today-will-obviously-be-many-fewer-and-much-shorter-in-duration-than-the-prison-sentences-that-will-be-announced-if-bogle-gives/</loc><lastmod>2013-08-06T21:12:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/12/im-ready-for-the-lawsuits-to-begin-today-give-it-your-best-shot-if-the-wall-street-con-men-have-sufficient-pull-that-they-can-get-someone-sent-to-prison-for-the-crime-of-having-discovered-th/</loc><lastmod>2013-08-07T14:48:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/13/the-research-that-i-did-with-wade-pfau-shows-millions-how-to-retire-five-to-ten-years-sooner-than-is-possible-with-buy-and-hold-strategies-if-each-of-100-million-people-has-been-willing-to-spend-ju/</loc><lastmod>2013-08-07T15:05:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/16/if-the-bennettpfau-research-is-not-worthy-of-a-nobel-prize-why-did-you-threaten-wade-you-would-have-no-motive-to-risk-a-prison-sentence-unless-the-research-was-very-very-very-very-important-y/</loc><lastmod>2013-08-07T15:15:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/17/most-of-the-people-in-this-field-have-spent-years-learning-what-is-in-the-textbooks-the-stuff-in-the-textbooks-is-wrong-thats-always-the-case-when-there-is-a-revolutionary-advance-so-intell/</loc><lastmod>2013-08-07T15:35:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/18/people-who-endorse-buy-and-hold-strategies-need-to-know-that-there-will-be-consequences-for-doing-so-those-people-should-be-laughed-at-as-woefully-uninformed-in-cases-in-which-buy-and-holders-enga/</loc><lastmod>2013-08-07T15:42:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/19/prosecutors-go-after-those-pushing-get-rich-quick-schemes-after-the-bottom-falls-out-after-the-thing-has-collapsed-and-all-the-investors-have-lost-their-money-and-are-angry-you-will-go-to-prison-a/</loc><lastmod>2013-08-07T15:48:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/20/one-of-the-things-i-love-about-the-wade-pfau-e-mails-is-that-you-can-hear-in-his-words-how-much-he-loves-helping-people-as-he-tapped-into-new-insights-he-was-like-a-kid-getting-a-bike-on-his-birth/</loc><lastmod>2013-08-07T16:01:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/23/when-i-am-up-on-that-stage-with-my-good-friend-jack-bogle-working-with-him-to-turn-this-around-theres-not-going-to-be-one-person-saying-oh-dont-give-that-fellow-500-million-he-should-only/</loc><lastmod>2013-08-07T16:09:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/24/how-do-you-think-we-got-the-tobacco-companies-to-stop-saying-that-smoking-is-a-benefit-to-ones-health-we-put-people-in-prison-companies-learned-that-there-would-be-a-big-price-to-pay-for-continu/</loc><lastmod>2013-09-24T17:40:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/25/jack-bogle-has-done-wrong-things-so-have-larry-swedroe-rick-ferri-and-scott-burns-jack-and-larry-and-rick-and-scott-have-also-done-good-things/</loc><lastmod>2013-08-07T16:44:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/26/goon-description-of-rob-bennetts-thinking-smart-people-who-actually-know-stuff-agree-with-me-if-they-say-they-dont-agree-with-me-its-just-because-you-are-intimidating-them-i-dont-care-wh/</loc><lastmod>2013-09-26T09:16:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/27/did-cooley-include-in-his-research-a-discussion-of-why-he-did-not-include-a-valuation-adjustment-if-he-had-some-intellectual-problem-with-shillers-findings-he-would-have-discussed-it-he-was-in/</loc><lastmod>2013-08-07T17:05:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/09/30/on-his-own-mel-lindauer-is-just-some-internet-goon-one-of-thousands-of-social-misfits-who-gained-some-temporary-fame-on-the-internet-and-let-it-go-to-his-head-mel-is-scary-because-of-his-connection/</loc><lastmod>2013-08-07T17:36:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/01/bogle-and-bernstein-and-burns-and-swedroe-got-into-this-field-because-they-wanted-to-do-good-and-honest-work-after-they-serve-whatever-prison-sentences-we-as-a-society-determine-are-appropriate-they/</loc><lastmod>2013-08-10T12:37:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/02/everyone-in-this-field-wants-the-ban-on-honest-posting-lifted-bogle-has-an-inkling-that-buy-and-hold-is-a-big-pile-of-smelly-garbage-so-does-bernstein-so-does-burns-so-does-swedroe-they-are-sca/</loc><lastmod>2013-08-11T17:36:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/03/people-respond-to-incentives-the-fewer-incentives-we-offer-to-those-who-push-smelly-get-rich-quick-garbage-the-less-we-will-see-of-it-the-greater-the-benefits-we-offer-to-those-who-post-honestly/</loc><lastmod>2013-08-11T17:40:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/08/13/valuation-informed-indexing-156-confidence-in-buy-and-hold-is-a-mile-wide-and-an-inch-deep/</loc><lastmod>2013-08-13T11:05:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/04/all-of-the-pre-shiller-work-and-all-of-the-post-shiller-work-that-ignores-shillers-findings-is-discredited-the-people-who-have-done-discredited-work-are-more-concerned-with-their-own-careers-than/</loc><lastmod>2013-10-04T11:19:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/07/get-rich-quick-doesnt-work-not-ever-not-for-anyone-buy-and-hold-is-long-discredited-garbage-if-saying-that-plainly-is-stridency-we-should-pray-for-the-courage-and-love-to-engage-in-the-ultima/</loc><lastmod>2013-08-15T10:47:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/08/bogle-has-committed-financial-fraud-in-an-objective-sense-he-knows-about-how-mel-linduaer-uses-threats-of-physical-violence-and-smear-campaigns-to-keep-people-from-talking-about-the-11-year-cover-u/</loc><lastmod>2013-08-28T10:12:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/09/the-presumption-is-that-those-who-are-expert-in-investing-know-the-most-about-investing-people-are-properly-going-to-wonder-if-there-really-is-32-years-of-peer-reviewed-academic-research-showing/</loc><lastmod>2013-08-29T10:10:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/10/we-all-are-affected-by-what-our-peers-say-about-us-and-the-buy-and-holders-are-so-vicious-and-ruthless-in-their-hateful-comments-about-those-who-recommend-research-based-strategies-that-there-is-no/</loc><lastmod>2013-08-30T10:10:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/11/the-studies-will-be-corrected-we-will-bring-the-economic-crisis-to-an-end-we-will-bring-on-the-greatest-period-of-economic-growth-in-our-history-the-study-that-wade-pfau-and-i-co-authored-will-be/</loc><lastmod>2013-10-11T09:33:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/14/i-speak-honestly-all-the-time-re-stock-investing-no-what-price-have-i-paid-i-have-not-been-sued-by-jack-bogle-and-his-rich-powerful-friends-i-am-not-in-prison-what-power-do-these-people-really/</loc><lastmod>2013-08-31T11:19:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/15/take-a-look-at-the-e-mails-that-wade-pfau-sent-me-during-the-16-months-when-we-were-co-authoring-the-most-important-research-published-in-this-field-in-over-30-years-wade-has-a-ph-d-in-economics-f/</loc><lastmod>2013-09-02T07:27:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/16/you-believe-what-you-say-above-in-one-sense-you-have-convinced-yourself-that-there-is-a-chance-that-you-will-not-go-to-prison-but-you-lack-confidence-in-that-belief-you-show-this-with-every-post/</loc><lastmod>2013-09-05T08:17:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/17/there-will-be-lawsuits-there-will-be-prison-sentences-angry-people-act-in-angry-ways-how-do-we-stop-people-from-getting-so-angry-we-tell-them-the-truth/</loc><lastmod>2013-09-05T08:43:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/18/valuation-informed-indexing-157-googles-pandapenguin-update-shows-us-where-opinion-on-buy-and-hold-is-headed/</loc><lastmod>2013-09-09T08:35:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/21/valuation-informed-indexing-158-does-pe10-do-a-better-job-of-making-return-predictions-when-valuations-are-at-extreme-levels/</loc><lastmod>2013-09-09T08:44:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/22/valuation-informed-indexing-159-the-same-pe10-level-can-mean-different-things-in-different-circumstances/</loc><lastmod>2013-09-09T08:49:02-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/23/the-members-of-the-buy-and-hold-mafia-follow-the-advice-they-offer-to-others-they-are-not-dishonest-in-that-respect/</loc><lastmod>2013-09-09T10:01:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/24/why-werent-charges-filed-against-people-who-hung-blacks-from-trees-in-the-days-of-segregation-in-the-south-people-feel-that-you-cant-fight-city-hall-people-rationalize-that-its-not-my/</loc><lastmod>2013-09-09T12:05:59-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/25/valuation-informed-indexing-160-the-common-theme-in-our-saving-and-investing-troubles/</loc><lastmod>2013-09-11T18:52:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/28/what-makes-buy-and-hold-different-is-that-its-advocates-claim-that-it-is-rooted-in-peer-reviewed-academic-research-for-buy-and-hold-to-survive-buy-and-holders-must-engage-in-criminal-acts-otherwi/</loc><lastmod>2013-09-11T18:59:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/29/you-are-basically-calling-j-d-roth-a-liar/</loc><lastmod>2013-09-11T19:03:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/30/rob-bennett-to-roger-wohlner-at-the-chicago-financial-planner-blog-would-you-let-me-post-a-guest-blog-entry-reporting-on-the-death-threats-and-the-board-bannings-and-the-defamation-you-would-feel/</loc><lastmod>2013-09-12T09:50:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/10/31/i-want-the-new-model-to-become-more-popular-over-time-it-can-never-become-more-popular-if-the-people-who-believe-in-it-always-pull-their-punches-for-fear-of-upsetting-any-buy-and-holders/</loc><lastmod>2013-09-12T09:49:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/11/01/buy-and-hold-has-never-been-backtested-buy-and-hold-started-in-1974-and-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od></url><url><loc>https://arichlife.passionsaving.com/2013/11/27/we-have-an-entire-nation-of-people-in-pain-over-what-they-once-believed-about-investing-once-the-pain-is-over-it-is-over-for-good-so-the-thing-to-do-is-to-do-everything-possible-to-insure-that-th/</loc><lastmod>2013-11-27T12:48:06-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/11/28/if-i-had-magical-powers-perhaps-i-would-offer-you-a-deal-where-you-avoid-prison-in-exchange-for-permitting-honest-posting-on-investing-topics-on-the-internet-but-i-am-not-the-one-who-will-be-sendi/</loc><lastmod>2013-09-21T18:29:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/11/29/the-first-question-that-i-get-from-just-about-everyone-who-i-tell-that-it-is-now-possible-to-reduce-the-risk-of-stock-investing-by-70-percent-is-why-dont-we-hear-about-this-from-every-expert-in/</loc><lastmod>2013-12-01T10:00:14-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/02/if-the-purpose-of-a-ban-is-to-cover-up-an-error-made-in-a-retirement-study-the-ban-is-an-act-of-financial-fraud-thats-a-felony-thats-prison-time/</loc><lastmod>2013-11-30T13:31:52-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/03/our-system-works-only-if-we-all-say-what-we-honestly-believe-once-intimidation-enters-the-picture-things-get-corrupted/</loc><lastmod>2013-09-22T13:03:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/04/following-the-next-crash-we-will-see-all-kinds-of-things-come-out-that-we-can-barely-imagine-today-i-believe-that-we-are-going-to-hear-shiller-say-that-he-has-been-intimidated-for-years-until-we/</loc><lastmod>2013-09-24T11:52:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/05/valuation-informed-indexing-162-stock-overvaluation-hinders-economic-growth-far-more-than-does-the-budget-deficit/</loc><lastmod>2013-09-24T12:03:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/06/if-i-see-mike-piper-at-the-bloggers-conference-and-he-asks-me-whether-i-think-he-is-going-to-prison-or-not-i-will-say-to-his-face-just-what-i-said-here/</loc><lastmod>2013-09-25T07:26:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/09/they-all-know-me-they-all-know-the-basic-story-they-are-all-afraid-to-mention-it-on-their-blogs-tell-the-truth-about-buy-and-hold-on-your-blog-and-you-are-going-to-get-the-treatment-that-was-dish/</loc><lastmod>2013-09-25T10:25:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/10/i-know-that-mike-piper-is-worried-we-had-a-long-conversation-about-these-matters-at-fincon11-and-mike-told-me-that-theres-nothing-i-would-like-more-than-to-see-this-matter-resolved-why-do-yo/</loc><lastmod>2013-09-25T10:28:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/11/the-secret-edge-that-i-hold-in-these-discussions-is-that-there-is-a-part-of-you-that-wants-to-learn-how-to-invest-effectively-that-part-is-also-a-part-of-millions-of-other-middle-class-investors-t/</loc><lastmod>2013-09-27T07:54:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/12/the-wall-street-journal-ran-a-column-saying-that-buy-and-hold-is-a-big-pile-of-smelly-garbage-that-the-people-pushing-it-leave-out-half-the-story-that-article-should-have-gone-viral-every-blo/</loc><lastmod>2013-09-28T06:37:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/13/in-some-cases-it-is-just-ego-people-are-too-proud-to-admit-mistakes-in-some-cases-it-is-done-for-profit-research-based-works-grq-sells-in-some-cases-it-is-done-to-win-favor-with-ones-clien/</loc><lastmod>2013-12-13T07:55:38-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/16/valuation-informed-indexing-163-all-of-todays-investment-advisors-need-to-warn-their-clients-that-their-advice-may-be-wildly-off-base/</loc><lastmod>2013-09-28T06:58:08-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/17/we-need-to-permit-people-that-possess-personal-integrity-to-work-in-this-field-we-need-their-input-we-need-to-let-the-many-thousands-of-people-who-work-in-this-field-and-who-want-to-evidence-perso/</loc><lastmod>2013-09-28T08:19:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/18/valuation-infomed-indexing-is-what-bogle-intended-to-create-when-he-created-buy-and-hold-i-have-made-jack-bogles-boyhood-dream-come-true-when-he-is-able-to-work-up-the-courage-and-grace-to-say/</loc><lastmod>2013-12-13T08:32:38-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/19/people-have-a-hard-time-understanding-how-this-state-of-affairs-could-continue-for-32-years-it-is-because-of-the-phenomenon-described-in-this-article-the-idea-that-buy-and-hold-is-dangerous-not-j/</loc><lastmod>2013-10-07T09:17:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/20/it-is-hard-to-imagine-anything-too-much-worse-than-devoting-your-life-to-the-promotion-of-an-investing-strategy-that-you-believe-is-helping-people-and-to-learn-late-in-life-that-all-along-your-were/</loc><lastmod>2013-10-10T07:09:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/23/we-do-need-those-prison-sentences-to-be-announced-we-cannot-get-honest-words-from-any-of-the-experts-in-this-field-until-they-feel-safe-about-posting-honest-words-the-death-threats-have-to-stop-t/</loc><lastmod>2013-10-10T07:18:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/24/once-we-get-to-the-other-side-of-the-big-black-mountain-the-people-who-now-advocate-buy-and-hold-are-going-to-be-the-most-vocal-proponents-of-valuation-informed-indexing-vii-is-john-bogles-dream/</loc><lastmod>2013-10-10T07:23:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/26/valuation-informed-indexing-164-if-widely-held-views-about-smoking-can-change-widely-held-views-about-investing-can-change-too/</loc><lastmod>2013-10-10T07:29:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/27/valuation-informed-indexing-166-last-weeks-nobel-prize-award-is-an-acknowledgement-that-we-do-not-today-know-how-stock-investing-works/</loc><lastmod>2013-10-23T17:14:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/30/i-had-a-long-talk-with-my-buddy-j-d-roth-he-said-that-my-problem-is-that-my-arguments-are-too-overpowering/</loc><lastmod>2013-12-30T07:41:57-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/12/31/j-d-roth-was-offering-me-a-compliment-he-didnt-intend-to-but-i-heard-a-compliment-i-want-my-arguments-to-be-so-strong-that-they-are-perceived-as-being-overpowering-j-d-is-the-same-when-i/</loc><lastmod>2013-10-23T17:32:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/02/if-you-goons-want-to-sign-off-on-a-deal-in-which-i-agree-to-never-say-anything-negative-about-buy-and-hold-and-only-to-promote-valuation-informed-indexing-i-will-sign-in-10-seconds-if-you-agree-no/</loc><lastmod>2013-10-23T17:49:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/03/the-prison-sentences-must-come-first-we-have-seen-that-jack-bogle-is-afraid-to-post-honestly-because-of-his-fear-of-what-you-goons-will-do-to-him-if-he-dares-to-cross-you/</loc><lastmod>2013-10-23T17:57:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/06/very-few-of-us-have-the-courage-it-takes-to-talk-about-stock-investing-honestly-in-places-that-permit-participation-by-the-sorts-of-individuals-who-have-put-up-posts-in-defense-of-mel-linduaer-a/</loc><lastmod>2014-01-05T15:34:39-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/07/we-all-need-to-understand-our-goonishness-on-a-deep-level-if-we-are-to-become-effective-long-term-investors-saying-that-you-dont-want-to-hear-about-goonishness-is-the-equivalent-of-saying-you-don/</loc><lastmod>2014-01-07T12:00:34-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/08/tron-to-rob-you-have-an-impressive-ability-to-write-volumes-of-repetitive-nothingness-your-entire-site-feels-as-though-i-am-reading-the-text-version-of-an-informercial-to-the-point-i-am-astounded/</loc><lastmod>2014-01-08T08:24:59-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/09/if-one-strategy-always-produces-lower-long-term-risk-adjusted-returns-than-another-i-think-it-is-fair-to-say-that-it-never-works-the-aim-on-an-investing-strategy-is-to-produce-higher-returns-with/</loc><lastmod>2014-01-05T15:36:40-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/10/the-phrase-hiding-under-the-bedcovers-was-intended-to-be-a-reference-to-your-lack-of-courage-thats-a-big-part-of-this-story-people-are-scared-to-death-of-mel-lindauer-and-john-greaney-and/</loc><lastmod>2013-10-29T09:37:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/13/rob-to-wabmaster-a-poster-at-the-early-retirement-forum-are-you-proud-of-your-own-behavior-re-the-11-year-cover-up-of-the-errors-in-the-retirement-studies-or-are-you-ashamed-of-it/</loc><lastmod>2013-10-29T09:43:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/14/goon-poster-ive-dealt-with-the-mentally-ill-before-and-ive-found-that-they-can-sometimes-be-reasonable-if-gently-redirected-rob-take-this-as-friendly-advice-your-condition-can-be-managed-w/</loc><lastmod>2013-10-29T09:49:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/15/this-is-not-a-one-man-job-i-need-bogle-talking-about-the-prison-sentences-i-need-the-new-york-times-writing-about-the-prison-sentences-i-need-all-my-fellow-bloggers-talking-about-the-prison-sente/</loc><lastmod>2014-01-15T08:36:58-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/16/journalists-change-the-world-for-the-better-by-daring-to-tell-important-truths-that-people-of-power-and-money-want-covered-up-i-did-the-thing-that-all-journalists-aim-to-do-in-a-very-big-way-when-i/</loc><lastmod>2013-10-31T16:54:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/17/the-back-and-forth-between-the-sellers-who-naturally-want-high-prices-and-the-buyers-who-naturally-want-low-prices-is-the-magic-that-makes-markets-work-take-away-that-magic-by-promoting-buy-an/</loc><lastmod>2014-01-17T07:04:22-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/20/there-will-be-follow-up-studies-to-the-study-that-i-co-authored-with-wade-pfau-ph-d-princeton-for-decades-to-come-thats-what-makes-it-nobel-prize-quality-it-is-the-research-upon-which-all-fu/</loc><lastmod>2013-11-01T09:25:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/21/there-is-no-honest-argument-that-can-be-made-the-research-that-discredited-the-idea-that-the-market-is-efficient-did-not-change-things-in-very-big-ways-if-it-is-ultimately-found-to-be-valid-we-shou/</loc><lastmod>2014-01-21T08:18:00-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/22/look-at-where-things-stood-in-2000-you-took-on-more-risk-than-any-stock-investor-before-you-has-ever-taken-on-and-your-compensation-is-a-negative-return-there-was-a-risk-penalty-in-place-in-2000/</loc><lastmod>2013-11-01T09:41:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/23/investors-will-no-longer-have-a-bias-in-favor-of-stocks-once-we-permit-honest-posting-and-it-is-possible-for-them-to-become-educated-as-to-the-realities-this-means-that-they-will-demand-that-banks/</loc><lastmod>2013-11-01T09:51:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/24/valuation-informed-indexing-165-how-much-do-you-need-to-retire-perhaps-less-than-you-think/</loc><lastmod>2013-11-01T10:05:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/27/valuation-informed-indexing-167-the-mathematics-of-investing-is-overpowering-and-hated/</loc><lastmod>2013-11-01T10:11:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/28/you-cannot-touch-investor-emotions-you-cannot-hold-them-in-your-hands-they-are-not-tangible-but-they-have-the-same-effect-on-the-world-as-anything-that-is-tangible/</loc><lastmod>2014-01-25T16:55:38-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/29/the-interests-of-the-wall-street-con-men-are-directly-opposed-to-the-interests-of-millions-of-middle-class-investors-the-con-men-love-love-love-buy-and-hold-why-wouldnt-they-it-had-made-them/</loc><lastmod>2014-01-25T17:01:09-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/30/the-problem-is-that-smoking-really-does-cause-cancer-and-buy-and-hold-always-brings-on-a-financial-wipeout-for-every-investor-who-comes-to-believe-in-it-so-we-have-to-do-something-about-the-b-s/</loc><lastmod>2013-11-02T11:57:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/01/31/you-suggest-that-there-is-something-utopian-about-everything-being-perfectly-valued-the-reality-is-that-there-is-only-one-thing-standing-in-our-way-the-thing-standing-in-our-way-is-you-goons/</loc><lastmod>2013-11-02T12:00:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/03/people-who-understood-the-implications-of-shillers-work-were-being-penalized-in-various-ways-and-people-who-continued-to-promote-buy-and-hold-strategies-even-though-they-had-been-discredited-by-th/</loc><lastmod>2014-01-25T17:09:26-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/04/this-explains-why-people-like-jack-bogle-and-bill-bernstein-and-scott-burns-and-larry-swedroe-and-rick-ferri-did-nothing-when-they-learned-of-your-tactics-those-people-are-all-shooting-straight-wit/</loc><lastmod>2013-11-03T14:41:07-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/05/anyone-who-possesses-a-desire-to-pass-me-and-get-to-the-top-will-need-to-stand-up-to-you-goons-wade-is-not-going-to-do-honest-research-again-until-he-feels-that-it-is-safe-to-do-so-there-are-thous/</loc><lastmod>2014-02-04T11:07:18-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/06/wade-was-a-hero-for-working-up-the-courage-to-send-an-e-mail-to-the-authors-of-the-trinity-study-asking-that-they-correct-the-errors-in-their-study-he-was-the-first-big-name-in-the-field-to-do-that/</loc><lastmod>2014-02-07T05:47:01-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/07/ive-met-rob-at-priorfincons-and-he-strikes-me-as-one-of-the-most-passionate-people-out-there-his-message-isnt-welcome-in-many-financial-forums-it-would-seem-robs-message-is-correct-rob-shil/</loc><lastmod>2014-02-28T16:08:18-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/10/i-have-had-academic-researchers-tell-me-that-they-dream-of-the-day-when-they-will-be-able-to-do-honest-work-once-again-i-have-had-investment-advisors-tell-me-that-they-dream-of-the-day-when-they-wi/</loc><lastmod>2014-02-28T16:07:19-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/11/all-of-a-sudden-wade-was-singing-a-very-different-tune-and-receiving-offers-of-big-job-promotions-i-wonder-whether-he-was-being-honest-during-the-16-months-he-spent-co-authoring-the-study-with-me/</loc><lastmod>2013-11-05T10:47:55-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/12/valuation-informed-indexing-168-five-similarities-between-the-obamacare-rollout-mess-and-the-buy-and-hold-mess/</loc><lastmod>2013-11-05T11:00:37-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/13/owner-of-the-joe-taxpayer-blog-the-fact-that-shiller-is-a-proponent-of-the-approach-takes-it-from-a-fringe-view-to-mainstream-in-my-opinion/</loc><lastmod>2014-02-28T16:05:46-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/14/owner-of-joe-taxpayer-blog-i-respect-rob-and-his-analysis-in-person-hes-bright-energetic-and-passionate-this-back-and-forth-the-intimidation-posts-put-up-by-the-lindauerheads-and-the-greaney/</loc><lastmod>2014-02-28T16:04:56-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/17/the-core-realities-here-are-the-most-amazingly-positive-realities-we-have-ever-experienced-in-the-history-of-personal-finance-think-of-the-ugly-stuff-as-the-final-cry-of-a-strategy-that-died-in/</loc><lastmod>2014-02-28T16:03:06-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/18/theres-one-thing-that-really-is-like-a-religion-to-me-free-speech-im-a-journalist-its-all-i-ever-wanted-to-be-its-in-my-blood-so-yes-the-idea-that-people-use-intimidation-tactics-to-b/</loc><lastmod>2014-02-28T16:03:58-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/19/what-happens-when-the-millions-of-people-who-were-tricked-lose-their-life-savings-and-then-learn-that-the-curious-idea-that-it-is-not-necessary-to-consider-price-when-buying-stocks-was-a-lie-all-alo/</loc><lastmod>2013-11-07T07:22:18-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/20/what-a-difference-a-threat-to-get-the-father-of-two-small-children-fired-from-his-job-has-on-an-investing-discussion-eh-long-live-buy-and-hold-its-science-with-a-marketing-twist/</loc><lastmod>2014-02-28T16:01:00-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/21/author-of-the-joe-taxpayer-blog-im-a-numbers-guy-and-i-believe-i-understand-robs-thesis-that-future-returns-over-the-next-decade-have-a-tight-inverse-correlation-to-the-pe10-for-the-starti/</loc><lastmod>2014-02-28T15:59:57-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/24/the-purpose-of-my-talk-at-fincon13-was-to-highlight-the-funny-side-of-this-my-thought-was-that-if-people-could-learn-to-laugh-about-this-stuff-we-could-all-see-the-wisdom-of-working-together-tho/</loc><lastmod>2014-02-28T15:58:48-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/25/theres-risk-in-long-term-market-timing-huh-long-term-market-timing-is-price-discipline-the-risky-thing-is-to-exercise-price-discipline-i-see-it-just-the-other-way-around-i-exercise-price-disc/</loc><lastmod>2013-11-09T12:27:15-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/26/say-that-buy-and-hold-were-a-legitimate-strategy-in-that-case-we-wouldnt-have-to-tell-lies-to-defend-it-would-we-there-is-something-seriously-wrong-with-an-investing-strategy-that-compels-thos/</loc><lastmod>2014-02-28T15:57:41-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/27/why-do-all-these-people-who-in-ordinary-circumstances-are-perfectly-happy-to-make-a-buck-not-have-much-interest-in-making-a-buck-re-this-one-its-the-social-stigma-the-woman-told-me-that-the-peop/</loc><lastmod>2014-02-28T15:56:33-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/02/28/why-do-i-make-such-a-fetish-out-of-telling-the-truth-because-it-was-our-collective-dishonesty-that-caused-the-economic-crisis/</loc><lastmod>2014-02-28T15:55:23-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/03/theres-obviously-a-huge-amount-of-money-to-be-made-telling-the-truth-about-stock-investing-we-are-going-to-need-to-replace-95-of-the-books-written-in-this-field-why-not-get-about-the-important-b/</loc><lastmod>2013-11-09T13:03:24-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/04/we-need-10-people-to-declare-publicly-that-they-will-stand-together-for-the-proposition-that-honest-posting-should-be-permitted-these-10-people-could-be-bloggers-or-investment-advisors-or-academic/</loc><lastmod>2013-11-09T13:12:19-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/05/i-foresee-a-future-financial-blogger-conference-where-every-session-will-be-devoted-to-teaching-bloggers-how-to-transform-their-blogs-into-valuation-informed-indexing-blogs/</loc><lastmod>2013-11-11T14:24:06-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/06/valuation-informed-indexing-169-an-alternative-to-famas-explanation-of-short-term-price-changes-that-also-fits-shillers-finding-of-long-term-return-predictability/</loc><lastmod>2013-11-12T17:14:11-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/07/valuation-informed-indexing-170-how-to-become-the-most-hated-blogger-on-the-internet-point-out-the-dangers-of-buy-and-hold/</loc><lastmod>2013-11-20T11:10:42-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/10/you-are-right-to-suggest-that-what-i-say-about-investing-is-more-in-tune-with-liberal-thinking-than-it-is-in-tune-with-conservative-thinking-shiller-is-a-liberal-but-it-is-not-right-to-say-that-co/</loc><lastmod>2014-03-10T10:51:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/11/valuation-informed-indexing-171-getting-in-touch-with-your-inner-goon/</loc><lastmod>2013-12-04T17:08:21-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/12/most-investors-should-be-in-index-funds-but-not-for-the-reason-usually-given/</loc><lastmod>2013-12-04T17:16:07-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/13/wade-would-obviously-be-willing-to-pay-hundreds-of-thousands-of-dollars-to-be-able-to-do-honest-work-he-spent-years-of-his-life-training-to-do-the-work-he-does-why-wouldnt-he-want-very-much-to/</loc><lastmod>2013-12-06T07:53:57-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/14/we-have-a-problem-of-incentives-there-are-huge-incentives-for-going-get-rich-quick-and-huge-penalties-for-going-research-based-we-need-to-turn-that-around/</loc><lastmod>2014-03-14T08:26:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/17/people-do-not-want-to-hear-about-the-death-threats-people-are-in-denial-re-this-aspect-of-the-story-we-are-as-a-society-suffering-a-huge-case-of-cognitive-dissonance-the-biggest-and-most-damaging/</loc><lastmod>2013-12-06T10:20:51-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2013/03/18/your-side-decides-the-timing-but-doing-it-sooner-helps-your-side-even-more-than-it-does-mine-you-can-hurt-me-but-only-by-making-choice-that-hurt-you-more-i-vote-for-less-hurt-for-all-concerned/</loc><lastmod>2013-12-09T11:05:43-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/19/mike-pipers-problem-is-that-he-really-did-have-readers-tell-him-that-they-would-abandon-his-blog-if-my-posts-continued-to-appear-at-his-site-causing-his-readers-to-experience-doubt-re-the-strateg/</loc><lastmod>2013-12-10T09:30:25-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/20/valuation-informed-indexing-173-eight-problems-with-shillers-prediction-of-a-2014-stock-crash/</loc><lastmod>2013-12-17T19:41:13-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/21/valuation-informed-indexing-174-why-should-economic-developments-affect-stock-prices/</loc><lastmod>2013-12-17T19:46:09-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/24/bogle-was-by-no-means-the-only-one-bernstein-was-honest-at-times-swedroe-was-honest-at-times-burns-was-honest-at-times-sholar-tried-being-honest-for-a-time-the-morningstar-site-administrators-w/</loc><lastmod>2013-12-17T20:02:23-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/25/the-buy-and-holders-feel-burned-they-want-to-use-the-fact-that-they-root-their-strategies-in-peer-reviewed-research-to-shut-everybody-else-down-but-since-they-made-a-mistake-about-what-the-resear/</loc><lastmod>2013-12-17T20:07:16-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/26/if-you-post-claims-about-retirement-planning-at-your-blog-that-you-know-to-be-false-and-million-of-people-experience-failed-retirements-as-a-result-thats-obviously-financial-fraud-are-you-excuse/</loc><lastmod>2014-03-26T08:36:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/27/in-the-event-that-price-discipline-matters-as-much-in-the-stock-market-as-it-does-in-every-other-market-that-has-ever-been-created-we-should-expect-the-widespread-promotion-of-the-idea-that-exercis/</loc><lastmod>2013-12-20T09:19:30-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/28/john-bogle-has-money-and-connection-to-promote-valuation-informed-indexing-that-i-do-not-possess-when-all-of-these-people-and-entities-are-promoting-vii-everyone-in-the-world-is-going-to-know-abou/</loc><lastmod>2013-12-24T08:41:28-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/31/if-jack-bogle-goes-to-his-friends-at-the-new-york-times-and-asks-that-my-research-paper-be-written-up-on-the-front-page-it-will-happen-thats-how-the-world-works/</loc><lastmod>2013-12-24T08:46:43-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/01/valuation-informed-indexing-175-shiller-places-too-much-emphasis-on-bubbles/</loc><lastmod>2013-12-24T09:01:46-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/02/scott-burns-points-out-that-many-do-not-believe-that-4-will-work-today-he-also-points-out-that-swrs-well-below-4-are-too-low-he-says-that-withdrawal-rates-above-6-are-dangerous-where-is-the-r/</loc><lastmod>2013-12-26T15:47:16-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/03/the-starting-premise-of-the-new-board-will-be-that-the-buy-and-hold-mafia-should-be-brought-down-and-that-all-u-s-citizens-should-be-permitted-to-give-voice-to-their-sincere-beliefs-about-the-past/</loc><lastmod>2013-12-26T15:45:42-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/04/bogle-was-honest-enough-in-his-book-for-me-to-learn-that-the-old-school-swr-studies-get-the-numbers-wildly-wrong-swedroe-was-honest-enough-to-get-banned-from-the-bogleheads-forum-burns-was-honest/</loc><lastmod>2014-04-04T08:09:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/07/this-thing-was-waiting-to-explode-before-i-came-on-the-scene-the-buy-and-hold-mafia-was-intimidating-people-before-i-put-forward-my-may-13-2002-post-the-wall-street-con-men-didnt-factor-in-the/</loc><lastmod>2013-12-27T15:30:47-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/08/jack-bogle-is-a-hero-of-mine-he-has-accomplished-great-things-jack-bogle-is-a-con-man-he-may-well-find-himself-on-trial-for-financial-fraud-following-the-next-price-crash-both-claims-are-true/</loc><lastmod>2013-12-27T15:36:51-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/09/if-racism-was-the-only-reality-we-would-still-have-those-laws-on-the-books-today-there-was-more-going-on-than-just-racism-so-it-is-in-investoworld-today-valuation-informed-indexing-is-jack-bogle/</loc><lastmod>2013-12-27T15:43:41-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/10/the-others-can-be-bought-off-or-intimidated-into-silence-i-cannot-why-not-one-very-obvious-factor-is-that-i-am-not-employed-in-this-field-with-wade-pfau-you-can-threaten-to-get-him-fired-from-h/</loc><lastmod>2013-12-27T15:50:48-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/11/lots-of-people-in-this-field-understand-where-things-are-heading-and-are-making-efforts-to-position-themselves-for-the-post-crash-period-kitces-is-doing-that-bernstein-is-doing-that-swedroe-is-do/</loc><lastmod>2013-12-28T11:02:04-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/14/miranda-marquit-interviews-me-for-an-interview-published-at-the-investor-junkie-blog/</loc><lastmod>2013-12-29T18:16:30-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/15/the-first-comment-at-the-early-retirement-forum-is-by-a-guy-who-has-an-obvious-interest-in-learning-about-the-subject-matter-the-following-comments-made-it-known-to-him-that-he-will-be-ostracized-i/</loc><lastmod>2013-12-29T20:31:43-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/16/for-11-years-now-we-have-been-seeing-emotions-evidence-themselves-often-in-very-juvenile-and-destructive-ways-thats-an-investing-issue-investor-motions-are-an-investing-issue/</loc><lastmod>2014-04-16T07:55:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/17/do-you-want-bogle-to-give-that-speech-until-now-you-have-not-been-willing-to-help-the-answer-is-not-to-continue-to-try-to-cover-things-up-the-answer-is-to-get-everything-out-in-the-open/</loc><lastmod>2013-12-30T09:53:21-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/18/the-reason-my-stuff-is-so-overpowering-is-that-we-dont-have-thousands-of-people-promoting-true-research-based-strategies-today-is-that-my-fault-when-everyone-else-in-the-investing-advice-field-i/</loc><lastmod>2013-12-31T13:01:04-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/21/vii-176-valuation-informed-indexers-dont-have-good-or-bad-years-we-measure-success-over-10-year-time-periods/</loc><lastmod>2013-12-31T17:55:39-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/22/lindaurer-asks-bogle-to-bark-and-jack-barks-and-then-looks-up-with-pleading-eyes-asking-the-master-whether-he-has-barked-loud-enough-to-be-spared-a-whipping-this-time/</loc><lastmod>2014-04-22T10:29:11-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/23/if-you-asked-my-father-whether-buy-and-hold-worked-for-him-he-would-answer-yes-i-see-that-as-a-misperception-on-his-part/</loc><lastmod>2014-01-04T17:11:11-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/24/wade-pfau-is-lying-i-have-zero-doubt-about-that-the-thing-that-is-killing-jack-bogles-reputation-is-the-cover-up-just-as-it-was-the-cover-up-of-watergate-that-did-damage-to-richard-nixons-rep/</loc><lastmod>2014-01-06T12:58:32-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/25/people-who-are-pretty-darn-certain-that-they-are-headed-to-prison-once-people-learn-the-realities-are-not-going-to-come-clean-by-keeping-quiet-about-your-prison-sentences-i-was-encouraging-others/</loc><lastmod>2014-01-06T18:39:10-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/28/10736/</loc><lastmod>2014-01-07T11:02:24-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/29/every-single-person-alive-on-planet-earth-is-banned-from-posting-honestly-what-the-last-32-years-of-peer-reviewed-academic-research-tells-us-about-how-stock-investing-works-so-long-as-i-dont-post/</loc><lastmod>2014-01-07T11:13:53-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/04/30/shiller-says-that-he-is-at-50-percent-stocks-and-that-younger-people-might-want-to-go-with-even-higher-stock-allocations-this-is-at-complete-variance-with-what-he-said-shortly-following-the-2008-cr/</loc><lastmod>2014-01-09T10:20:12-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/01/there-has-been-a-theme-in-the-discussions-going-back-to-the-first-day-in-which-some-seem-to-see-it-as-a-horrible-thing-that-i-would-know-more-about-certain-aspects-of-stock-investing-than-recognized/</loc><lastmod>2014-01-09T10:51:14-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/02/we-all-want-to-see-buy-and-hold-reformed-so-that-it-actually-works-but-if-any-one-of-us-speaks-up-he-is-destroyed-we-need-to-find-some-means-to-have-a-good-number-of-us-speak-up-at-one-time-so-th/</loc><lastmod>2014-01-10T09:33:45-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/05/i-have-a-patriotic-duty-to-overcome-the-buy-and-hold-mafia/</loc><lastmod>2014-01-10T11:53:49-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/06/vii-178-i-no-longer-believe-that-buy-and-holders-eventually-catch-up-with-valuation-informed-indexers/</loc><lastmod>2014-01-14T10:08:10-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/07/shiller-isnt-just-at-odds-with-rob-bennett-when-shiller-fails-to-attribute-the-economic-crisis-to-the-insane-bull-market-and-to-the-long-discredited-buy-and-hold-strategy-that-caused-it-shiller/</loc><lastmod>2014-01-15T16:56:23-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/08/the-usual-rule-is-that-mistakes-are-discovered-and-then-corrected-in-an-amount-of-time-far-far-less-than-33-year-this-mistake-has-gone-uncorrected-because-it-is-such-a-biggie-youve-heard-of-the/</loc><lastmod>2014-01-16T08:46:49-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/09/the-heads-of-the-tobacco-companies-told-their-customers-that-smoking-did-not-cause-cancer-after-research-came-out-showing-that-it-did-thats-what-the-customers-wanted-to-hear-so-the-heads-of-the/</loc><lastmod>2014-01-16T11:24:49-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/12/many-people-think-it-is-rude-to-expose-cons-so-they-keep-their-mouths-shut-for-the-internet-to-realize-its-potential-that-needs-to-change-people-need-to-see-that-they-have-a-responsibility-to-th/</loc><lastmod>2014-01-21T09:10:27-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/13/10780/</loc><lastmod>2014-01-21T09:27:31-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/14/when-you-goons-began-attacking-me-back-at-the-motley-fool-board-i-went-looking-for-help-at-sites-that-explored-the-implications-of-shillers-work-i-learned-that-there-were-none-i-saw-the-huge-op/</loc><lastmod>2014-01-23T11:33:29-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/15/yes-shiller-fears-all-that-hate-and-anger-and-abuse-all-the-humans-fear-that-sort-of-thing-and-please-note-that-it-is-only-buy-and-holders-who-embrace-such-acts-of-hate-and-anger-and-abuse-we-ha/</loc><lastmod>2014-01-23T11:38:31-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/16/in-the-computer-field-we-were-able-to-share-these-advances-with-millions-because-there-was-no-pre-computer-technology-mafia-holding-us-back-in-the-investing-field-we-have-thousands-of-people-whos/</loc><lastmod>2014-01-24T12:55:42-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/19/i-believe-that-jack-bogle-is-a-good-man-deep-inside-i-believe-that-i-will-not-even-need-to-file-papers-to-collect-the-500-million-i-believe-that-my-good-friend-jack-is-going-to-take-care-of-thing/</loc><lastmod>2014-01-26T14:02:24-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/20/jack-bogles-response-when-he-learned-that-i-would-be-appearing-at-the-next-meeting-of-the-vanguard-diehard-to-ask-why-he-had-not-taken-action-to-get-the-old-school-safe-withdrawal-rate-studies-cor/</loc><lastmod>2014-05-20T08:17:23-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/21/following-a-buy-and-hold-strategy-insures-that-your-allocation-will-be-wrong-80-percent-of-the-time-if-you-choose-an-allocation-that-makes-sense-when-valuations-are-low-your-allocation-will-be-wil/</loc><lastmod>2014-01-26T17:32:29-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/22/the-idea-that-we-suspend-the-financial-markets-equivalent-of-the-laws-of-thermodynamics-when-we-show-that-long-term-timing-is-required-is-not-just-goon-talk-millions-believe-this-thats-a-good/</loc><lastmod>2014-01-27T08:58:40-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/23/valuation-informed-indexing-166-last-weeks-nobel-prize-award-is-an-acknowledgment-that-we-do-not-today-know-how-stock-investing-works/</loc><lastmod>2014-01-27T11:56:09-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/26/i-have-wondered-at-times-whether-shiller-has-already-written-a-sequel-to-irrational-exuberance-and-is-just-holding-back-on-publication-of-it-until-he-feels-that-it-would-be-safe-to-share-more-of-wha/</loc><lastmod>2014-01-27T12:25:49-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/27/many-people-are-open-to-considering-the-merits-of-valuation-informed-indexing-for-so-long-as-i-do-not-criticize-buy-and-hold-or-say-that-buy-and-hold-is-wrong-or-represents-a-get-rich-quick-scheme/</loc><lastmod>2014-01-27T16:28:52-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/28/my-father-loved-his-country-he-knew-that-those-who-resort-to-those-sorts-of-tactics-thereby-tear-the-social-fabric-of-his-country-apart-he-understood-that-those-sorts-of-tactics-are-not-within-the/</loc><lastmod>2014-01-28T10:42:55-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/29/valuation-informed-indexing-180-should-we-assume-that-stock-prices-are-predictable-if-there-is-no-evidence-otherwise/</loc><lastmod>2014-01-29T11:27:48-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/05/30/many-site-owners-dont-want-the-majority-of-their-community-members-to-be-hurt-and-scared-and-enraged-so-they-go-along-with-the-demands-made-by-the-buy-and-holders-to-ban-further-discussion-of-the/</loc><lastmod>2014-01-29T11:59:00-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/06/02/personal-integrity-matters-i-never-went-to-investing-school-i-never-managed-a-big-fund-but-i-was-the-first-person-to-work-up-the-courage-to-cross-john-greaney-by-posting-honestly-on-safe-with/</loc><lastmod>2014-01-29T13:37:26-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/06/03/i-detected-a-coldness-in-the-vibe-in-the-room-when-i-was-giving-my-talk-if-you-talk-to-an-alcoholic-about-cutting-back-on-drinking-he-will-deny-having-a-problem-thats-not-because-he-believes-de/</loc><lastmod>2014-06-03T08:26:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/06/05/i-play-it-the-other-way-my-focus-is-the-goon-stuff-i-focus-on-that-because-that-is-the-critical-factor-that-no-one-else-has-explored-in-depth-by-focusing-on-the-goon-stuff-i-am-making-a-unique-c/</loc><lastmod>2014-01-31T10:31:03-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/06/06/i-recorded-a-robcast-way-back-in-2009-titled-shiller-pulls-hi-punches-why-do-you-think-he-pulls-his-punches-it-is-because-he-is-afraid-of-the-negative-feedback-he-knows-he-will-hear-if-he-spea/</loc><lastmod>2014-01-31T10:38:33-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/06/09/the-sooner-that-all-these-people-and-institutions-come-clean-the-less-will-be-their-financial-obligations-and-the-shorter-will-be-their-prison-sentences-we-all-have-a-patriotic-duty-to-bring-down/</loc><lastmod>2014-01-31T10:45:38-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/06/11/valuation-informed-indexing-181-eight-core-differences-betweenbuy-and-hold-and-valuation-informed-indexing/</loc><lastmod>2014-02-04T12:52:30-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/06/13/valuation-informed-indexing-182-the-real-reason-obama-is-having-a-rough-presidency/</loc><lastmod>2014-02-11T11:18:21-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/06/16/valuation-informed-indexing-183-what-others-around-you-believe-about-investing-affects-what-you-believe-about-investing/</loc><lastmod>2014-02-20T19:41:42-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/06/17/numerous-academics-have-told-me-that-they-would-like-to-feel-free-to-publish-honest-research-numerous-practitioners-have-told-me-that-they-would-like-to-feel-free-to-give-honest-investing-advice/</loc><lastmod>2014-02-20T19:54:19-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014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-seeking-to-understand-for-the-first-time-how-stock-investing-r/</loc><lastmod>2014-07-16T08:56:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/07/17/the-most-important-economic-and-political-issue-before-us-today-is-the-question-of-whether-fama-or-shiller-is-right-we-should-be-discussing-that-at-every-board-and-blog-on-the-internet-every-day-g/</loc><lastmod>2014-07-17T08:50:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/07/18/goon-poster-you-may-be-surprised-to-hear-this-from-me-but-yes-valuations-do-matter-bottom-line-is-your-approach-to-investing-takes-something-that-works-and-that-is-simple-and-makes-it-needlessl/</loc><lastmod>2014-03-07T13:17:46-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/07/21/it-is-possible-that-a-big-reason-why-the-buy-and-hold-pioneers-did-not-say-that-price-should-be-considered-in-the-setting-of-ones-stock-allocation-may-have-been-a-feeling-that-it-would-be-more-sim/</loc><lastmod>2014-03-07T13:26:10-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/07/22/i-am-certain-that-bogle-can-reach-buffett-the-sensible-thing-to-do-is-to-provide-a-copy-of-the-peer-reviewed-research-paper-that-i-co-authored-with-wade-pfau-to-bogle-and-to-ask-bogle-to-pass-it-al/</loc><lastmod>2014-03-07T15:06:41-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/07/23/buffetts-personal-investing-strategy-is-in-direct-conflict-with-buy-and-hold-buffett-always-considers-the-value-proposition-he-is-buying-buy-and-holders-never-do-the-most-reasonable-explanation/</loc><lastmod>2014-03-08T07:26:51-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/07/24/does-buffett-support-the-12-year-cover-up-of-the-errors-in-the-old-school-safe-withdrawal-rate-studies-if-buy-and-hold-were-a-legitimate-strategy-the-errors-would-have-been-corrected-within-24-hou/</loc><lastmod>2014-03-08T09:22:14-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/07/25/jack-bogle-and-larry-swedroe-and-bill-bernstein-and-rick-ferri-certainly-all-have-goodness-in-them-and-all-four-of-these-individuals-certainly-have-shown-on-numerous-occasions-that-they-would-like-to/</loc><lastmod>2014-03-08T11:11:26-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/07/28/if-i-showed-how-we-can-reduce-the-risk-of-stock-investing-by-10-i-would-be-the-most-popular-person-in-the-investing-world-today-but-70-it-doesnt-seem-possible-how-could-it-be-possible-its-b/</loc><lastmod>2014-07-28T08:13:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/07/29/it-is-rare-for-someone-to-make-the-switch-to-valuation-informed-indexing-as-the-result-of-a-single-exposure-to-the-concept-people-need-to-gradually-come-to-an-ever-more-enhanced-understanding-of-th/</loc><lastmod>2014-03-10T14:31:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/07/30/indexing-pretty-much-takes-intelligence-off-the-table-as-a-factor-all-the-things-that-people-used-to-study-are-priced-in-you-dont-need-to-be-intelligent-to-obtain-great-investing-results/</loc><lastmod>2014-03-10T14:38:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/07/31/shiller-does-not-know-it-all-shiller-is-one-of-the-humans-and-we-humans-learn-by-talking-things-over-we-learn-through-give-and-take-we-unearth-puzzles-and-then-we-offer-our-thoughts-as-to-the-re/</loc><lastmod>2014-07-31T09:05:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/01/we-all-have-a-stake-in-the-survival-of-this-country-and-the-buy-and-hold-lies-are-in-the-process-of-destroying-it-i-say-that-we-should-all-fight-as-hard-as-we-can-to-protect-the-country-we-love-fro/</loc><lastmod>2014-03-10T14:58:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/04/goon-poster-to-rob-i-believe-you-have-derived-implications-from-shillers-work-that-are-unfounded-ive-tried-to-encourage-you-to-take-not-just-my-word-for-it-but-to-seek-out-the-opinions-of-othe/</loc><lastmod>2014-03-10T15:05:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/05/the-economic-system-ad-the-knowledge-produced-by-the-academic-research-are-community-resources-the-wall-street-con-men-make-a-buck-by-destroying-these-community-resources-there-are-responsibilitie/</loc><lastmod>2014-08-05T09:07:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/06/goon-poster-to-rob-did-you-ever-stop-to-think-that-these-questions-are-posed-as-a-way-of-watching-you-make-a-fool-of-yourself/</loc><lastmod>2014-03-10T15:38:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/07/goon-poster-to-rob-i-am-curious-how-you-would-respond-to-this-article-entitled-forget-the-4-rule-in-which-wade-pfau-is-interviewed-he-doesnt-seem-fearful-and-is-speaking-his-mind/</loc><lastmod>2014-08-07T09:46:13-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/08/valuation-informed-indexing-185-falling-in-love-with-your-inner-goon/</loc><lastmod>2014-03-11T08:11:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/11/monevator-blogger-re-rob-rob-bennett-used-to-comment-on-this-site-a-lot-until-i-got-fed-up-with-his-strident-approach-any-particular-contribution-is-usually-fine-to-read-but-it-was-the-relen/</loc><lastmod>2014-03-11T16:05:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/12/there-were-numerous-articles-written-about-lee-harvey-oswald-when-he-killed-president-kennedy-did-those-articles-constitute-stalking-wade-pfaus-decision-to-sign-up-with-you-goons-is-a-matter/</loc><lastmod>2014-03-14T11:00:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/14/tens-of-thousands-have-seen-the-paper-and-most-who-expressed-an-opinion-have-either-praised-it-to-the-skies-or-have-been-so-threatened-by-what-they-saw-that-they-either-engaged-in-or-tolerated-acts/</loc><lastmod>2014-03-17T08:42:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/15/there-are-five-factors-that-explain-why-i-am-perceived-differently-1-i-focus-on-the-findings-of-peer-reviewed-research-rather-than-express-a-personal-opinion-2-i-attack-buy-and-hold-as-well-as/</loc><lastmod>2014-08-15T07:51:32-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/03/18/do-women-understand-investing-better-than-men/</loc><lastmod>2014-03-18T09:05:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/18/buy-and-hold-poster-to-rob-what-youre-missing-is-that-the-financial-markets-arent-subject-to-the-laws-of-physics-just-because-something-has-happened-in-the-past-doesnt-mean-it-will-happen/</loc><lastmod>2014-03-20T07:19:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/19/in-the-investing-advice-field-you-cant-just-put-forward-ideas-as-something-to-think-about-people-have-to-invest-they-have-to-take-choice-a-or-choice-b-and-people-dont-want-to-invest-their-re/</loc><lastmod>2014-03-20T07:27:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/20/valuation-informed-indexing-188-shillers-mistaken-understanding-of-why-only-long-term-returns-are-predictable/</loc><lastmod>2014-03-25T07:01:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/21/my-post-caused-you-to-experience-an-epiphany-moment-i-have-had-my-own-epiphany-moments-re-this-stuff-over-the-years-and-i-have-been-in-the-room-when-lots-of-others-experienced-those-moments-my-lif/</loc><lastmod>2014-03-29T08:00:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/22/it-is-not-true-that-middle-class-investors-are-governed-entirely-by-greed-and-fear-i-have-talked-to-thousands-of-people-who-are-seeking-a-smart-and-safe-and-simple-way-to-invest-in-stocks-the-prob/</loc><lastmod>2014-03-29T08:10:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/25/after-the-next-crash-stocks-will-be-priced-at-one-half-fair-value-at-that-time-telling-people-the-truth-will-be-perceived-as-adding-money-to-their-portfolios-we-wont-be-telling-a-guy-with-a-6/</loc><lastmod>2014-08-25T13:20:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/26/the-thing-that-makes-it-possible-for-market-participants-to-act-in-their-self-interest-is-information-none-of-the-big-sites-offer-good-information-that-means-that-the-vast-majority-of-investors-ca/</loc><lastmod>2014-03-29T17:06:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/27/if-jack-bogle-doesnt-care-about-the-vast-amount-of-human-misery-he-has-caused-then-jack-bogle-is-the-frank-underwood-of-personal-finance-but-then-why-did-he-report-in-his-book-that-reversion-to/</loc><lastmod>2014-08-27T08:40:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/28/the-reason-why-we-are-able-today-to-reduce-the-risk-of-stock-investing-by-70-percent-is-that-our-knowledge-of-how-stock-investing-works-is-so-primitive-that-huge-advances-remain-possible-our-mistak/</loc><lastmod>2014-04-01T11:42:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/29/valuation-informed-indexing-189-stock-gains-are-a-bad-thing/</loc><lastmod>2014-04-01T18:58:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/02/there-was-a-time-when-scott-burns-was-writing-positive-things-about-the-old-school-swr-studies-no-why-not-tell-people-how-he-was-fooled-how-about-scott-acknowledging-to-his-readers-that-he-was-ha/</loc><lastmod>2014-04-02T10:35:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/03/these-people-have-consciences-and-they-are-at-battle-with-them-and-over-time-they-are-falling-behind-in-those-battles-one-more-economic-crisis-will-put-their-consciences-over-the-top-we-one-need-o/</loc><lastmod>2014-04-02T16:28:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/04/buy-and-hold-is-a-lie-it-started-out-as-a-mistake-but-a-mistake-that-isnt-fixed-for-33-years-after-the-peer-reviewed-research-reveals-it-has-become-a-lie-the-idea-that-long-term-timing-isnt-r/</loc><lastmod>2014-04-02T17:29:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/05/rob-arnott-is-a-straight-shooter-but-look-at-what-rob-did-he-said-that-bogle-has-always-been-a-gentleman-in-his-presence-he-avoided-comment-on-whether-it-is-gentleman-like-behavior-for-bogle/</loc><lastmod>2014-04-03T18:53:37-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/08/its-hard-for-the-wall-street-con-men-to-employ-their-huge-financial-resources-to-destroy-sites-giving-honest-investing-advice-when-the-materials-collected-at-this-site-are-available-for-use-in-any/</loc><lastmod>2014-04-07T20:59:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/09/my-wife-said-you-sound-like-one-of-those-infomercial-people-i-would-have-more-success-pushing-valuation-informed-indexing-if-the-benefits-were-less-the-reason-why-the-benefits-are-so-huge-is/</loc><lastmod>2014-04-07T21:19:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/10/the-people-who-demanded-that-larry-swedroe-post-dishonestly-should-cover-the-losses-of-all-those-who-lose-money-as-a-result-of-the-ban-no-those-people-did-nothing-wrong-how-could-they-ever-suspec/</loc><lastmod>2014-09-10T11:24:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/11/valuation-informed-indexing-190-how-i-came-to-name-shillers-model-valuation-informed-indexing/</loc><lastmod>2014-04-08T12:17:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/12/the-corruption-is-within-us-humans-love-them-some-get-rich-quick-the-wall-street-con-men-exploit-us-because-we-want-to-be-exploited-they-push-buy-and-hold-because-their-customers-demand-it/</loc><lastmod>2014-04-08T12:56:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/15/say-that-most-members-of-the-board-community-believed-that-there-was-only-a-one-in-a-hundred-chance-that-one-of-you-goons-would-come-to-my-house-and-kill-one-of-my-loved-ones-thats-enough-to-pers/</loc><lastmod>2014-04-08T13:02:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/16/i-need-help-from-my-fellow-bloggers-to-get-the-message-out-and-i-need-help-from-economists-and-i-need-help-from-journalists-and-i-need-help-from-researchers-and-i-need-help-from-venture-capitali/</loc><lastmod>2014-04-08T13:12:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/17/the-experts-feel-that-their-clients-and-readers-wont-think-of-them-as-experts-unless-they-say-something-more-definitive-than-80-stocks-might-be-good-but-20-stocks-might-be-good-too-they-canno/</loc><lastmod>2014-04-12T06:36:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/18/there-are-millions-of-people-who-today-believe-the-buy-and-hold-lies-i-know-because-i-have-talked-to-a-good-number-of-them-i-have-had-people-tell-me-that-everything-i-say-about-investing-sounds-10/</loc><lastmod>2014-04-12T06:45:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/19/one-big-reason-why-the-behavioral-finance-school-has-not-achieved-more-in-the-practical-realm-despite-the-many-powerful-insights-it-has-advanced-is-that-too-many-are-afraid-to-describe-and-document/</loc><lastmod>2014-04-14T10:36:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/22/as-of-today-intimidation-works-because-as-much-as-people-want-to-learn-about-the-new-idea-they-are-unsure-of-their-own-knowledge-and-dont-at-all-like-the-idea-of-being-confronted-with-the-bruta/</loc><lastmod>2014-04-15T12:19:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/23/valuation-informed-indexing-191-tips-ibond-and-cds-are-better-alternatives-to-stocks-than-bonds/</loc><lastmod>2014-04-15T12:27:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/24/people-who-are-working-up-the-courage-to-tell-the-truth-have-a-valuable-resource-with-this-site-i-teach-them-about-the-trickery-of-the-wall-street-con-men-and-their-internet-goon-squads-people-who/</loc><lastmod>2014-04-16T06:53:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/15/heres-an-article-about-the-race-baiting-of-jackie-robinson-please-note-the-part-where-the-article-reports-how-the-commissioner-of-baseball-eventually-worked-up-the-courage-to-warn-the-phillies-ma/</loc><lastmod>2014-09-25T08:58:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/26/the-test-for-the-lindauerheads-is-are-you-helping-people-to-appreciate-the-dangers-of-buy-and-hold-investing-strategies-if-you-say-that-you-personally-use-a-low-withdrawal-rate-no-one-cares-if/</loc><lastmod>2014-04-19T13:38:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/29/no-one-ever-talks-about-the-intense-emotional-pain-of-the-buy-and-holders-i-dont-think-there-is-one-article-in-the-literature-about-it-but-here-it-was-i-was-seeing-it-with-my-own-eyes-investor/</loc><lastmod>2014-04-19T13:46:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/30/as-long-as-the-buy-and-holders-are-not-called-out-on-the-fact-that-their-claim-that-there-is-research-supporting-the-idea-of-not-exercising-price-discipline-when-buying-stocks-is-false-their-market/</loc><lastmod>2014-04-19T13:53:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/01/its-a-lot-easier-to-make-the-shift-from-buy-and-hold-to-strategy-b-than-it-is-to-make-the-shift-from-buy-and-hold-to-valuation-informed-indexing-and-it-is-a-lot-easier-to-make-the-shift-from-stra/</loc><lastmod>2014-04-21T10:00:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/02/i-only-have-two-choices-i-can-participate-in-the-cover-up-myself-or-i-can-tell-i-am-telling/</loc><lastmod>2014-04-21T18:44:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/03/bogle-says-that-the-mot-that-anyone-should-change-his-stock-allocation-at-valuation-extremes-is-15-percent-bogles-number-is-off-by-400-percent-the-most-charitable-thing-that-one-could-say-about/</loc><lastmod>2014-10-03T09:23:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/06/the-wall-street-con-men-are-not-convinced-that-buy-and-hold-cannot-work-they-see-the-holes-in-the-concept-they-become-insanely-defensive-when-challenged-but-they-tell-themselves-that-buy-and-hold/</loc><lastmod>2014-04-21T18:55:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/07/wall-street-journal-columnist-bret-arends-is-saying-that-those-pushing-buy-and-hold-today-are-involved-in-a-massive-act-of-financial-fraud-he-doesnt-use-the-blunt-language-i-do-because-he-knows-w/</loc><lastmod>2014-04-21T19:01:28-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/08/valuation-informed-indexing-192-shiller-makes-some-dubious-calls-in-his-latest-interview/</loc><lastmod>2014-10-08T08:59:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/09/could-it-be-that-the-millions-of-middle-class-investors-will-be-excited-enough-about-the-huge-breakthroughs-that-you-goons-could-avoid-prison-altogether-i-dont-think-it-is-possible-for-anyone-to/</loc><lastmod>2014-04-22T10:37:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/10/most-people-dont-care-about-theory-but-the-experts-root-their-advice-in-theory-and-most-people-do-care-about-what-the-experts-say-so-in-a-practical-sense-most-people-today-are-following-the-buy/</loc><lastmod>2014-04-22T10:42:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/13/the-amazing-thing-is-that-no-one-had-done-this-work-before-i-came-on-the-scene-i-am-trying-to-get-more-people-involved-it-is-important-work-and-once-buy-and-hold-falls-it-is-going-to-be-very-fi/</loc><lastmod>2014-04-22T11:48:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/14/i-will-acknowledge-that-these-views-are-extreme-if-you-go-by-the-continuum-of-viewpoints-held-today-but-it-is-not-right-for-me-not-to-express-my-sincere-views-if-everyone-who-holds-this-view-says/</loc><lastmod>2014-04-24T11:53:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/15/if-the-author-of-the-old-school-swr-study-included-language-explaining-that-there-is-a-new-school-of-thought-that-maintains-that-a-valuations-adjustment-is-required-that-would-show-good-faith-and-s/</loc><lastmod>2014-04-24T11:59:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/16/would-i-not-be-an-awful-person-if-i-believed-these-things-and-just-kept-them-to-myself-i-would-be-letting-you-ruin-yourself-and-not-even-trying-to-warn-you-beforehand-wouldnt-that-be-pretty-darn/</loc><lastmod>2014-04-24T12:03:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/17/no-one-else-publicly-says-that-the-12-year-cover-up-of-the-errors-in-the-old-school-safe-withdrawal-rate-studies-is-the-greatest-act-of-financial-fraud-in-the-history-of-the-united-states-but-we-do/</loc><lastmod>2014-10-17T08:12:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/20/we-should-be-using-the-research-to-determine-how-much-to-change-our-stock-allocations-in-response-to-valuation-shifts-thats-where-the-conspiracy-stuff-comes-in-the-buy-and-holders-do-not-wan/</loc><lastmod>2014-10-20T09:19:51-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/21/perhaps-jack-bogle-believes-that-there-is-an-80-change-that-buy-and-hold-can-work-or-perhaps-its-50-or-20-i-dont-know-but-i-want-to-know-and-i-know-that-jack-is-not-going-to-tell-us-until-h/</loc><lastmod>2014-04-26T13:29:30-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/09/25/i-have-sent-e-mails-to-the-30000-names-on-the-social-science-research-network-list-many-wanted-to-know-how-they-can-help-i-told-them-that-they-can-help-by-letting-their-friends-know-about-the-12/</loc><lastmod>2014-09-22T09:02:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/22/the-vanguard-study-shows-that-the-valuations-factor-is-huge-it-is-the-only-significant-factor-to-which-the-investor-can-respond-in-an-effective-manner-it-is-financial-malpractice-for-any-advisor-t/</loc><lastmod>2014-04-27T21:11:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/23/theres-something-between-telling-truths-and-telling-lies-theres-being-too-afraid-to-look-at-new-truths-to-learn-what-one-needs-to-understand-to-give-up-old-ones-things-are-not-a-black-and-whit/</loc><lastmod>2014-10-23T09:19:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/24/i-am-not-going-to-be-the-only-person-getting-lots-of-credit-this-is-so-huge-that-there-is-plenty-of-credit-to-go-around-heres-a-tip-the-early-adapters-are-going-to-get-the-most-credit-do-you-s/</loc><lastmod>2014-04-28T09:17:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/27/todd-tresidder-is-not-banned-anywhere-todd-is-liked-by-everyone-whats-the-difference-between-todd-and-me-he-doesnt-tell-about-the-history-of-financial-fraud-by-the-buy-and-holders-because-he/</loc><lastmod>2014-04-28T18:36:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/28/valuation-informed-indexing-193-what-tolstoy-machiavelli-and-joan-of-arc-can-tell-us-about-stock-investing/</loc><lastmod>2014-04-29T09:00:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/29/whenever-there-is-a-huge-advance-in-human-knowledge-we-have-lots-of-people-believing-in-the-same-wrong-thing-there-is-not-one-way-in-which-buy-and-hold-changed-as-a-result-of-shillers-revoluti/</loc><lastmod>2014-10-29T08:55:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/30/the-problem-today-is-that-the-buy-and-holders-will-not-permit-the-effect-of-valuation-to-be-quantified-most-people-have-no-idea-how-big-the-valuations-effect-is-the-perfect-illustration-of-this-is/</loc><lastmod>2014-05-01T10:46:55-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/10/31/we-have-seen-huge-advances-in-computer-technology-over-the-past-33-years-if-the-computer-technology-field-were-as-resistant-to-change-as-the-investing-advice-field-we-would-all-still-be-using-type/</loc><lastmod>2014-05-01T11:06:42-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/03/bogle-plants-the-idea-in-peoples-heads-that-he-is-a-research-based-guy-but-when-it-comes-time-to-give-advice-on-the-most-important-and-practical-investing-question-of-them-all-he-pulls-a-number/</loc><lastmod>2014-11-03T13:51:06-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/04/we-dont-have-the-option-of-putting-off-making-decisions-on-investing-questions-until-the-scientific-community-achieves-a-consensus-on-all-these-matters-we-have-money-that-must-be-invested-today/</loc><lastmod>2014-11-04T07:40:12-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/05/even-people-who-are-super-educated-about-these-matters-do-not-appreciate-the-effect-of-valuations-today-wade-pfau-holds-a-ph-d-in-economics-so-he-should-have-known-all-this-his-e-mails-show-that/</loc><lastmod>2014-05-03T17:06:27-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/06/11373/</loc><lastmod>2014-05-06T10:11:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/07/buy-and-hold-goon-to-rob-youll-post-respectfully-and-sanely-or-youll-post-not-the-sane-community-will-enforce-that-non-negotiable/</loc><lastmod>2014-05-06T10:24:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/10/truth-prevails-over-ignorance-in-time-but-not-instantly-it-is-a-process-this-is-not-1981-or-even-1991-it-is-time-to-move-forward-that-mean-explaining-to-people-the-dangers-of-buy-and-hold-strat/</loc><lastmod>2014-05-06T12:32:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/11/those-in-the-behavioral-finance-school-need-to-know-about-how-the-human-mind-deceives-itself-for-12-years-now-we-have-been-generating-thousands-of-illustrations-of-the-self-deception-phenomenon-i/</loc><lastmod>2014-11-11T07:50:32-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/13/stocks-are-just-like-you-must-consider-price-when-making-stock-purchases-all-of-the-buy-and-hold-stuff-was-a-mistake-there-was-never-a-grain-of-truth-to-any-of-it-getting-the-mistake-fixed-prom/</loc><lastmod>2014-11-10T05:00:52-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/14/i-cannot-do-anything-to-be-sure-of-eliminating-the-prison-sentence-i-believe-that-i-can-get-it-shortened-a-good-bit-but-my-sense-is-that-that-is-not-good-enough-for-you-the-only-trading-chip-that/</loc><lastmod>2014-05-12T08:57:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/17/valuation-informed-indexing-195-i-get-frustrated-with-the-slow-pace-of-change-in-economics-and-finance/</loc><lastmod>2014-11-17T09:34:26-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/18/what-is-jack-bogles-confidence-level-in-buy-and-hold-does-he-think-that-the-odds-are-20-percent-that-it-might-work-50-percent-80-percent-i-dont-know-the-answer-neither-do-you-the-differenc/</loc><lastmod>2014-05-15T13:17:54-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/19/valuation-informed-indexing-196-the-folly-of-making-use-of-indicators-of-future-stock-returns-other-than-pe10/</loc><lastmod>2014-11-19T21:19:53-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/20/rob-arnott-copied-bogle-on-his-e-mail-to-me-referring-to-the-article-that-i-wrote-on-the-silencing-of-academic-researcher-wade-pfau-by-the-buy-and-hold-mafia-bogle-obviously-would-have-felt-a-respo/</loc><lastmod>2014-05-20T19:40:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/08/13/mike-piper-feels-bad-about-the-lies-he-tells-people-who-visit-his-site-why-hasnt-mike-made-the-switch-to-honest-posting-mike-has-to-compete-with-other-blogs-we-all-possess-a-get-rich-quick-urge/</loc><lastmod>2014-06-04T09:43:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/07/08/the-buy-and-hold-advocates-are-all-lying-nothing-could-be-more-clear-this-is-obvious-but-they-do-not-like-having-to-lie-about-this-stuff-they-know-it-is-wrong-and-they-dont-like-it-mike-piper/</loc><lastmod>2014-07-08T08:12:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/25/valuation-informed-indexing-197-its-critical-to-distinguish-short-term-bulls-and-bears-from-secular-bulls-and-bears/</loc><lastmod>2014-05-27T08:27:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/07/01/vii-critic-someone-working-for-20-30-years-making-a-modest-salary-and-still-being-able-to-retire-a-millionaire-because-of-buy-and-hold-is-not-a-short-term-success-story-in-the-case-of-your-theo/</loc><lastmod>2014-06-04T09:29:44-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/06/12/thats-my-4-step-program-make-it-clear-that-buy-and-holders-2-bring-t/</loc><lastmod>2014-06-04T09:23:09-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/06/10/the-ordinary-investors-are-the-ones-who-show-the-greatest-interest-in-focusing-on-the-long-term-it-is-the-expert-buy-and-hold-advocates-who-are-relentless-and-brutal-in-pushing-the-smelly-get-r/</loc><lastmod>2014-06-10T12:25:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/06/04/goon-poster-i-think-youve-got-it-rob-now-see-if-you-can-put-this-new-attitude-into-practice-create-an-account-at-bogleheads-and-contribute-to-a-few-threads-on-this-topic-remember-no-dogmat/</loc><lastmod>2014-06-04T08:22:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/26/valuation-informed-indexing-198-the-appeal-of-the-valuation-informed-indexing-story-to-an-enterprising-journalist/</loc><lastmod>2014-06-04T09:31:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/04/the-owners-of-the-bogleheads-forum-are-as-corrupt-as-the-day-is-long-but-after-they-have-spent-some-time-in-prison-their-hearts-will-melt-when-their-prison-sentences-are-over-i-will-welcome-the/</loc><lastmod>2014-06-04T11:53:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/05/if-you-looked-at-the-portfolios-of-the-people-who-awarded-shiller-the-nobel-prize-you-would-find-that-most-of-them-are-more-believers-in-buy-and-hold-than-they-are-in-valuation-informed-indexing-b/</loc><lastmod>2014-06-07T14:08:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/08/i-want-to-convert-the-entire-world-to-valuation-informed-indexing-i-want-to-get-all-the-textbooks-rewritten-i-want-to-see-a-nobel-prize-awarded-to-wade-pfau-and-i-want-to-see-hundreds-of-academic/</loc><lastmod>2014-06-09T15:07:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/09/valuation-informed-indexing-199-investing-strategies-that-ignore-the-effects-of-stock-crashes-cannot-work/</loc><lastmod>2014-06-10T11:19:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/10/the-buy-and-holders-started-out-doing-something-wonderful-and-then-they-made-a-perfectly-understandable-mistake-and-then-they-elected-to-cover-it-up-rather-than-acknowledge-it-and-now-we-are-seeing-th/</loc><lastmod>2014-12-10T06:44:42-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/11/wade-pfau-may-be-in-prison-then-i-am-going-to-tell-people-about-his-great-research-but-i-am-also-going-to-tell-people-that-he-committed-financial-fraud-because-of-the-threats-that-were-made-to-des/</loc><lastmod>2014-06-15T13:14:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/12/soon-after-the-next-crash-a-number-of-people-will-say-that-their-consciences-will-just-not-permit-them-to-keep-quiet-any-longer-then-there-will-be-a-deluge-of-truth-telling-lots-of-people-will-b/</loc><lastmod>2014-12-12T09:34:16-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/15/valuation-informed-indexing-200-moving-stock-returns-from-one-time-period-to-another-reduces-economic-productivity/</loc><lastmod>2014-06-19T14:20:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/16/once-the-first-prison-sentences-are-announced-we-will-see-a-total-reversal-there-are-billions-of-dollars-to-be-made-providing-millions-of-middle-class-investors-with-tools-that-are-consistent-with/</loc><lastmod>2014-06-19T15:47:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/17/goon-poster-to-rob-rob-does-anyone-read-this-blog-beside-the-goons-who-like-to-poke-fun-at-you-ive-never-seen-a-comment-by-anyone-else/</loc><lastmod>2014-06-23T08:35:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/18/owner-of-joe-taxpayer-blog-it-takes-decades-for-robs-thesis-to-be-proven-correct-i-dont-mean-the-analysis-but-the-actual-results-he-is-correct-that-the-assumptions-most-planners-use-are-in/</loc><lastmod>2014-12-18T08:31:15-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/19/question-asked-at-the-quora-forum-why-is-rob-bennett-opposed-to-the-buy-and-hold-strategy-for-investing-in-equities/</loc><lastmod>2014-06-23T09:15:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/22/i-point-out-to-my-boys-how-these-losers-greaney-once-told-me-that-every-person-who-has-ever-gotten-to-know-him-well-has-come-to-the-conclusion-that-he-is-the-biggest-asshole-who-ever-walked-planet/</loc><lastmod>2014-06-24T11:46:04-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/23/valuation-informed-indexing-201-shiller-doesnt-dare-say-what-he-believes-is-the-true-cause-of-the-economic-crisis/</loc><lastmod>2014-06-24T12:25:43-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/24/if-things-hadnt-been-so-nasty-there-are-thousands-of-good-and-smart-people-who-would-have-developed-these-insights-long-before-i-came-on-the-scene-your-nasty-stuff-cleared-the-field-of-competito/</loc><lastmod>2014-12-24T07:17:52-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/26/wade-pfau-is-smart-hard-working-ambitious-and-generous-i-am-proud-to-be-able-to-call-him-friend-he-is-also-dishonest-wade-has-played-a-big-role-in-a-huge-act-of-financial-fraud-there-is-a/</loc><lastmod>2014-12-13T12:23:39-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/29/all-the-other-stuff-the-substantive-stuff-follows-easily-once-we-come-to-terms-with-the-massive-act-of-financial-fraud-people-dont-like-to-talk-about-the-financial-fraud-we-all-have-participat/</loc><lastmod>2014-06-25T17:34:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/30/buy-and-hold-goon-oh-no-rob-please-dont-make-us-go-to-prison-we-are-all-scared-cant-you-tell/</loc><lastmod>2014-06-25T17:38:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/31/there-are-thousands-of-economists-who-would-like-to-be-exploring-the-implications-of-shillers-research-and-writing-about-them-on-a-daily-basis-they-do-not-feel-free-to-do-so-because-the-buy-and-h/</loc><lastmod>2014-07-01T08:01:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/01/02/valuation-informed-indexing-202-jeremy-siegels-views-on-where-stock-prices-are-headed-are-not-rooted-in-peer-reviewed-research/</loc><lastmod>2014-07-01T08:34:10-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/01/05/it-is-all-going-to-flip-following-the-next-crash-if-you-want-to-experience-a-taste-of-what-that-is-going-to-mean-for-you-goons-i-urge-you-to-enter-the-word-phillies-into-a-search-engine-and-th/</loc><lastmod>2014-07-01T10:19:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/01/06/site-visitor-the-moderators-of-bogleheads-are-slightly-demented-in-their-views-they-allow-personal-to-vile-attacks-against-those-who-question-orthodoxy-there-is-an-almost-religious-fervor-it-rea/</loc><lastmod>2015-01-06T09:11:50-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/01/07/if-men-were-angels-bogle-would-have-put-out-a-statement-on-the-day-he-learned-about-shillers-1981-research-saying-i-am-going-to-have-to-think-this-matter-over-carefully-it-is-my-hope-that-my/</loc><lastmod>2014-07-02T10:17:53-04:00</lastmod></url><url><loc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ving.com/2015/02/04/recessions-and-depressions-are-caused-by-the-widespread-promotion-of-buy-and-hold-strategies-once-we-let-people-know-what-the-peer-reviewed-research-says-we-have-solved-the-problem-of-the-boombus/</loc><lastmod>2014-07-17T22:01:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/02/05/the-valuation-informed-indexers-have-been-placed-in-a-ghetto-its-a-ghetto-in-which-they-do-not-possess-the-same-rights-as-the-buy-and-holders-its-a-ghetto-in-which-they-keep-their-most-powerfu/</loc><lastmod>2015-02-01T06:38:40-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/02/06/what-is-hard-for-people-to-understand-is-how-so-many-good-and-smart-people-could-continue-to-tell-us-to-buy-stocks-when-the-research-shows-that-stocks-are-priced-at-such-insanely-dangerous-levels-t/</loc><lastmod>2014-07-18T21:45:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/02/09/i-dont-seek-to-take-over-any-discussions-it-just-happens-the-reason-why-it-happens-is-that-the-things-i-say-make-so-much-sense-to-most-people-and-most-people-have-never-before-heard-anyone-say-t/</loc><lastmod>2015-02-08T14:05:46-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/02/10/the-most-important-quality-that-anyone-working-in-this-field-needs-to-possess-is-an-ability-to-say-the-words-i-and-was-and-wrong-mel-linduaer-lacks-that-ability-john-greaney-lacks-that-a/</loc><lastmod>2015-02-10T09:06:12-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/02/11/valuation-informed-indexing-205-an-easy-and-convincing-way-to-reconcile-the-ideas-of-shiller-and-fama/</loc><lastmod>2014-07-22T12:36:29-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/02/12/greaney-and-bogle-have-a-responsibility-to-tell-people-about-that-research-and-to-warn-people-that-they-may-be-wrong-in-their-claim-and-to-permit-and-invite-and-encourage-posts-exploring-the-implica/</loc><lastmod>2014-07-22T12:43:01-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/02/13/goon-poster-to-rob-only-a-complete-troll-sits-around-trying-to-point-out-other-peoples-mistakes-all-day/</loc><lastmod>2014-07-23T18:14:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/02/16/i-dont-say-that-the-past-is-bound-to-repeat-i-say-that-it-very-well-might-and-that-every-person-working-in-this-field-has-a-responsibility-to-let-millions-of-middle-class-people-know-what-will-ha/</loc><lastmod>2014-07-24T13:16:02-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/02/17/there-are-thousands-of-researchers-who-would-love-to-be-doing-honest-research-today-but-like-wade-many-of-them-have-families-and-thus-do-not-dare-to-cross-my-good-friend-jack-bogle-and-the/</loc><lastmod>2014-07-24T17:52:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/02/18/goon-poster-to-rob-not-considering-a-variable-in-a-study-is-not-fraud-and-doesnt-require-an-immediate-or-any-update-if-i-publish-a-study-showing-a-link-between-smoking-and-cancer-but-fail-to-acc/</loc><lastmod>2014-07-24T18:53:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/02/19/goon-poster-to-rob-wow-youre-claiming-that-bogle-was-involved-in-the-threats-to-get-someone-fired-unless-they-wrote-fraudulent-research-thats-a-fairly-strong-accusation-seems-like-something/</loc><lastmod>2014-07-24T19:01:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/02/20/following-the-next-price-crash-you-will-see-people-directing-their-mental-energies-to-concocting-all-sort-of-overly-negative-appraisals-of-what-the-buy-and-holders-did-in-those-days-people-will-b/</loc><lastmod>2015-02-20T07:03:54-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/02/24/the-research-is-not-freakin-human-the-research-doesnt-have-a-get-rich-quick-urge-residing-within-it-so-the-research-doesnt-fall-for-all-the-foolish-fantasies-that-we-humans-so-often-fall-for/</loc><lastmod>2014-07-29T11:36:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/02/25/my-guess-is-that-jack-bogles-confidence-level-in-buy-and-hold-is-something-in-the-neighborhood-of-70-percent-enough-to-permit-him-to-rationalize-that-it-is-okay-to-continue-to-promote-the-concept/</loc><lastmod>2015-02-22T10:51:59-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/02/26/valuation-informed-indexing-206-when-we-say-that-the-market-is-smart-we-are-flattering-ourselves-2/</loc><lastmod>2014-08-02T19:07:40-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/02/27/buy-and-hold-is-not-just-a-bad-investing-strategy-it-is-a-threat-to-the-survival-of-our-free-market-economic-system-i-love-my-country-i-want-my-two-boys-to-be-able-to-grow-up-in-the-same-sort-of/</loc><lastmod>2014-08-03T19:33:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/02/site-visitor-to-rob-discovering-your-work-has-been-enlightening-for-me-its-given-clarity-to-my-own-ideas-your-theory-is-just-as-valid-if-not-more-so-than-whats-popular-right-now-it-definit/</loc><lastmod>2014-08-03T19:38:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/03/adam-smith-taught-that-we-are-all-rational-people-making-rational-choices-re-our-money-that-was-always-wrong-we-are-partly-rational-people-but-we-are-also-largely-emotional-people-it-didnt-matt/</loc><lastmod>2014-08-04T11:15:02-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/04/people-have-been-telling-me-for-12-years-that-they-want-a-place-where-they-feel-safe-expressing-their-sincere-thoughts-on-investing-it-amazes-me-that-no-such-place-exists-on-the-internet-today-we/</loc><lastmod>2014-08-04T11:25:56-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/05/valuation-informed-indexing-207-rational-and-irrational-investing-ideas-co-exist/</loc><lastmod>2014-08-05T09:58:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/06/after-the-2008-crisis-got-me-thinking-that-there-has-to-be-a-better-way-to-invest-i-started-doing-a-lot-of-financial-research-the-thing-that-disturbed-me-the-most-is-that-most-of-them-were-saying/</loc><lastmod>2014-08-05T10:12:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/09/none-of-us-can-effectively-stand-up-to-the-buy-and-hold-mafia-on-our-own-we-need-to-unite-and-insist-on-enforcement-of-the-u-s-laws-against-financial-fraud-to-have-any-chance-of-bringing-these-pow/</loc><lastmod>2015-03-09T08:09:54-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/10/i-think-of-this-place-as-the-edmunds-com-of-personal-finance-the-buy-and-holders-have-come-up-with-thousands-of-tricks-to-take-peoples-eyes-off-the-ball-and-to-cause-them-to-ignore-the-price-ma/</loc><lastmod>2014-08-05T10:36:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/11/half-goon-poster-to-rob-as-you-demonstrate-through-various-postings-there-are-people-and-firms-in-the-financial-industry-which-utilize-valuation-informed-indexing-so-the-information-is-definitely/</loc><lastmod>2014-08-07T08:58:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/12/goon-poster-to-rob-shillerwade-publish-papers-and-shiller-has-written-some-books-seems-like-the-knowledge-is-free-flowing-to-me-the-only-thing-that-has-been-restricted-is-your-access-to-some-pre/</loc><lastmod>2014-08-07T09:05:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/13/the-fact-that-only-goons-comment-here-does-not-show-that-these-blog-entries-are-unimportant-it-shows-that-they-are-so-important-and-so-far-reaching-in-their-significance-that-most-of-us-dont-feel/</loc><lastmod>2014-08-07T10:36:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/16/goon-poster-to-rob-no-one-else-sees-one-gimmicky-pe10-metric-as-gospel-for-valuation-there-are-hundreds-of-technical-metrics-that-can-be-used-that-perhaps-have-correlation-with-previous-lows-and/</loc><lastmod>2014-08-07T16:37:54-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/17/michael-kitces-writes-a-fine-article-on-valuation-informed-indexing-and-the-new-school-of-safe-withdrawal-rate-analysis/</loc><lastmod>2014-08-07T18:24:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/18/goon-poster-to-rob-you-have-your-agenda-and-want-to-spread-it-on-every-thread-even-when-it-is-not-the-subject-being-discussed-you-think-that-your-points-are-more-important-than-what-anyone-else-h/</loc><lastmod>2014-08-08T09:45:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/19/buy-and-holders-kinda-sorta-acknowledge-that-valuations-matter-but-they-dont-quantify-the-effect-of-valuations-they-quantify-everything-else-but-not-that-its-their-idea-but-they-hate-that-o/</loc><lastmod>2014-08-10T17:42:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/20/we-have-fallen-into-an-all-or-nothing-battle-here-either-i-am-totally-crushed-and-end-up-with-nothing-and-you-goons-get-off-with-no-prison-sentences-or-i-become-one-of-the-richest-men-in-the-united/</loc><lastmod>2015-03-21T13:49:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/23/ive-learned-the-lesson-that-the-buy-and-holders-are-very-very-very-insecure-re-their-investing-views-and-would-prefer-not-to-be-presented-with-serious-challenges-to-those-views-intimidation-tac/</loc><lastmod>2014-08-11T20:40:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/24/goon-poster-to-rob-even-if-you-did-not-violate-specific-rules-of-these-boards-you-made-them-so-absolutely-unbearable-that-the-moderators-had-to-ban-you-or-else-everyone-else-would-simply-stop-comi/</loc><lastmod>2014-08-11T20:45:16-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/25/mike-piper-always-hated-being-dishonest-but-he-feels-that-his-blog-will-be-destroyed-if-he-permits-honest-posting-its-similar-to-the-case-with-wade-pfau-i-think-that-a-good-case-can-be-made-tha/</loc><lastmod>2014-08-11T21:18:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/26/valuation-informed-indexing-208-why-i-write-only-about-valuation-informed-indexing/</loc><lastmod>2014-08-12T10:39:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/27/11647/</loc><lastmod>2014-08-12T20:11:11-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/30/goon-poster-to-rob-rob-when-do-you-think-is-the-last-time-that-a-non-goon-read-anything-you-wrote/</loc><lastmod>2014-08-13T10:07:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/03/31/it-is-a-logical-impossibility-that-any-site-could-permit-us-both-to-post-honestly-while-also-permitting-only-truthful-posts-one-of-us-is-wrong/</loc><lastmod>2014-08-13T10:46:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/01/why-didnt-the-wall-street-journal-article-reporting-that-the-wall-street-con-men-who-push-buy-and-hold-strategies-leave-out-half-the-story-go-viral-on-the-internet/</loc><lastmod>2014-08-13T14:02:02-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/02/my-buy-and-hold-friends-were-not-motivated-by-greed-they-did-what-they-did-out-of-love-infjs-are-planners-systems-builders-conceptual-thinkers-and-masterminds-and-they-are-pig-headed-arrogant/</loc><lastmod>2015-03-09T15:45:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/03/valuation-informed-indexing-209-no-pe10-value-signifies-the-same-thing-at-all-times/</loc><lastmod>2014-08-25T13:38:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/07/that-guy-was-telling-us-how-he-really-feels-i-bug-the-piss-out-of-him-your-solution-is-to-protect-him-from-my-words-my-solution-is-to-figure-out-why-my-words-bug-the-piss-out-of-him/</loc><lastmod>2014-08-25T16:08:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/08/buy-and-hold-is-a-trap-the-more-people-there-are-who-come-to-believe-in-it-the-higher-valuations-go-the-higher-valuations-go-the-more-frightened-people-become-that-everything-is-going-to-collaps/</loc><lastmod>2014-08-25T15:43:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/09/middle-class-people-suspect-that-there-is-a-lot-of-corruption-on-wall-street-many-even-went-so-far-as-to-point-the-finger-at-wall-street-when-the-economic-crisis-arrived-in-late-2008-but-they-were/</loc><lastmod>2014-08-25T16:02:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/10/site-visitor-to-rob-the-market-crash-which-in-part-not-in-whole-caused-the-great-depression-was-due-to-mass-and-hyper-speculation-not-buy-and-hold/</loc><lastmod>2014-08-25T16:13:31-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/06/11676/</loc><lastmod>2014-08-26T10:03:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/13/its-important-that-you-understand-what-will-cause-the-next-price-crash-it-will-not-be-a-change-in-the-economic-realities-it-will-be-a-change-in-investor-emotion-so-it-wont-be-just-the-value-o/</loc><lastmod>2014-08-26T12:01:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/14/90-percent-of-the-information-about-stock-investing-available-on-the-internet-today-is-compromised-by-the-desire-of-the-person-putting-forward-the-information-to-be-liked-by-the-people-reading-the-i/</loc><lastmod>2014-08-26T14:40:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/15/a-lot-of-people-want-me-to-shut-up-but-a-lot-of-others-very-much-want-to-be-able-to-post-honestly-on-investing-issues-themselves-and-would-love-love-love-to-see-me-get-away-with-it-at-some-big-si/</loc><lastmod>2014-08-27T12:15:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/16/nothing-i-say-is-even-a-tiny-bit-controversial-in-any-objective-sense-it-is-pure-common-sense-there-is-a-mountain-of-evidence-on-one-side-and-zero-on-the-other-you-would-think-that-would-help-me/</loc><lastmod>2014-08-27T08:57:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/17/valuation-informed-indexing-is-the-biggest-boon-for-financial-bloggers-in-the-history-of-financial-blogging-we-have-the-potential-to-make-billions-those-of-us-who-have-the-courage-to-stand-up-to-t/</loc><lastmod>2014-08-28T13:04:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/20/11693/</loc><lastmod>2014-09-02T12:28:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/21/what-shiller-did-in-1981-was-something-much-bigger-than-recognizing-a-pattern-he-showed-that-the-core-idea-on-which-the-entire-buy-and-hold-model-was-built-was-in-error/</loc><lastmod>2015-04-21T08:23:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/22/its-emotionally-painful-pointing-out-peoples-mistakes-to-them-we-all-want-to-be-liked-telling-people-the-truth-about-stock-investing-at-a-time-when-prices-are-high-and-they-dont-want-to-hear/</loc><lastmod>2014-09-04T14:18:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/23/what-wade-pfau-and-i-discovered-in-that-famous-peer-reviewed-research-paper-we-co-authored-is-that-nearly-70-percent-of-the-risk-of-stock-investing-is-attributable-to-the-lies-that-investors-tell-th/</loc><lastmod>2015-04-23T07:45:52-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/24/rosa-parks-changed-the-world-because-rosa-parks-loved-the-world-her-love-for-those-who-ignored-her-rights-for-a-time-was-her-secret-weapon-not-against-them-but-for-them-i-love-jack-bogle-thats/</loc><lastmod>2014-09-06T07:54:25-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/27/we-need-to-send-a-message-to-all-academic-researchers-in-this-field-that-the-buy-and-hold-mafia-is-no-longer-running-the-show-and-that-starting-here-starting-now-we-want-to-encourage-all-research/</loc><lastmod>2014-09-08T15:39:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/28/valuation-informed-indexing-212-the-warning-implicit-in-outlier-pe10-values-should-not-be-rationalized-away/</loc><lastmod>2014-09-09T10:17:19-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/29/my-wife-is-not-a-goon-she-loves-me-so-her-negative-comment-counts-for-more-than-the-negative-comments-that-i-hear-from-you-goons-people-need-to-know-that-even-my-own-wife-holds-some-skepticism-re/</loc><lastmod>2014-09-10T09:08:26-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/04/30/my-wife-has-a-mental-block-re-much-of-this-she-is-not-alone-in-that-people-have-to-be-exposed-to-it-a-lot-of-times-and-from-a-lot-of-different-angles-and-people-have-to-be-able-to-ask-a-lot-of-que/</loc><lastmod>2014-09-10T16:22:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/01/bogle-lies-to-everyone-who-ever-asked-him-a-question-about-what-the-peer-reviewed-research-in-this-field-says-but-he-lied-to-himself-first-when-you-lie-to-yourself-it-becomes-pretty-darn-hard-to/</loc><lastmod>2014-09-12T09:56:41-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/04/jack-bogle-is-as-you-say-intelligent-and-experienced-intelligent-and-experienced-people-have-a-certain-trait-that-you-may-have-noticed-they-are-hard-on-themselves-jack-possesses-that-trait-he/</loc><lastmod>2014-09-13T08:36:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/05/these-people-are-not-100-percent-corrupt-they-are-100-percent-trapped-if-bogle-could-do-it-over-he-would-go-back-to-1981-and-give-that-speech-i-am-100-percent-sure-he-wishes-that-he-were-not-in/</loc><lastmod>2014-09-21T14:57:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/06/there-are-hundreds-of-smart-bloggers-who-would-love-to-be-making-millions-from-their-blogs-and-who-today-are-not-doing-so-all-they-need-to-do-is-to-turn-their-efforts-to-further-development-of-the/</loc><lastmod>2014-09-22T09:15:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/07/valuation-informed-indexing-243-reader-comments-at-the-new-york-times-article-on-shillers-nobel-prize/</loc><lastmod>2014-09-22T19:24:57-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/08/instead-of-me-agreeing-not-to-talk-about-the-goon-phenomenon-we-need-to-get-everyone-else-to-take-up-talking-about-it-your-behavior-shows-that-you-lack-confidence-in-buy-and-hold-a-strategy-must-i/</loc><lastmod>2014-09-22T19:55:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/11/you-understand-that-it-would-sound-really-really-bad-for-the-experts-in-this-field-to-be-saying-oh-there-is-one-school-of-academic-thought-that-says-that-you-should-be-at-75-percent-stocks/</loc><lastmod>2014-09-23T10:26:06-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/12/valuation-informed-indexing-214-is-it-possible-that-valuations-affect-long-term-returns-but-that-predictions-do-not-work/</loc><lastmod>2014-09-23T12:53:17-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/13/if-you-really-were-confident-that-you-were-not-going-to-land-in-a-prison-cell-you-would-not-be-posting-here-on-a-daily-basis-you-know-that-i-know-that-and-anyone-with-half-a-grain-of-sense-in-hi/</loc><lastmod>2014-09-24T15:59:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/14/buy-and-hold-was-rooted-in-something-very-very-very-positive-we-all-should-be-grateful-that-the-buy-and-holders-took-us-out-of-the-dark-ages-there-is-no-one-who-believes-more-strongly-in-the-ori/</loc><lastmod>2014-09-25T11:05:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/18/shiller-its-not-a-timing-mechanism-it-doesnt-tell-you-and-i-had-the-same-mistake-in-my-mind-to-some-extent-wait-until-it-goes-all-the-way-down-to-a-pe10-of-7-or-something-the-importa/</loc><lastmod>2014-09-27T12:45:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/19/when-you-say-politely-state-your-views-once-do-you-mean-once-per-week-or-once-per-day-or-once-per-post-or-once-per-question-directed-to-me-if-i-agree-to-post-less-often-than-buy-and-holders-as/</loc><lastmod>2014-09-27T13:14:03-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/20/if-those-of-us-who-believe-in-research-based-strategies-are-going-to-be-effective-in-pointing-out-the-dangers-of-buy-and-hold-we-are-going-to-have-to-reiterate-basic-principles-many-times-just-as/</loc><lastmod>2014-09-27T14:23:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/21/the-rob-bennett-who-read-irrational-exuberance-the-second-time-possessed-a-ver-different-mind-than-the-rob-bennett-who-read-it-the-first-time-there-were-scores-of-insights-that-shiller-planted-in-t/</loc><lastmod>2014-09-29T20:19:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/22/valuation-informed-indexing-215-the-difference-between-a-model-for-understanding-how-stock-investing-works-and-an-investing-strategy/</loc><lastmod>2014-09-30T19:51:45-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/25/valuation-informed-indexing-216-did-shiller-change-anything/</loc><lastmod>2014-10-07T11:12:14-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/26/the-wall-street-con-men-love-to-pretend-that-this-might-be-the-first-time-in-history-when-a-buy-and-hold-strategy-will-work-for-one-or-two-long-term-investors-because-when-they-can-trick-people-lik/</loc><lastmod>2014-10-11T09:51:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/27/goon-poster-to-rob-does-it-concern-you-that-the-mean-pe10-could-very-well-be-trending-upwards/</loc><lastmod>2015-05-27T08:16:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/28/valuation-informed-indexing-217-shiller-believes-in-short-term-timing/</loc><lastmod>2014-10-14T08:40:20-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/05/29/the-problem-is-that-the-pain-is-too-great-if-we-acknowledge-that-buy-and-hold-caused-the-economic-crisis-we-are-acknowledging-that-our-universities-failed-us-and-that-our-investment-advisors-faile/</loc><lastmod>2014-10-14T15:09:48-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/01/goon-poster-to-rob-no-one-is-telling-you-that-you-cannot-express-your-views-however-it-is-wrong-for-you-to-expect-that-you-can-express-them-on-other-peoples-forums/</loc><lastmod>2014-10-15T12:09:33-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/02/the-same-words-were-on-all-the-pages-of-irrational-exuberance-the-first-three-times-i-read-the-book-but-the-rob-bennett-who-read-irrational-exuberance-the-fourth-time-possessed-a-different-mind-tha/</loc><lastmod>2014-10-15T12:07:38-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/03/my-behavior-is-anti-social-if-you-define-the-word-as-upsetting-large-numbers-of-people-in-a-serious-way-but-they-wouldnt-be-upset-at-all-if-they-could-appreciate-the-full-story-how-do-we/</loc><lastmod>2014-10-15T12:06:02-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/04/many-of-the-questions-you-advance-puzzle-ordinary-investors-too-not-just-goons-after-the-crash-when-ordinary-people-develop-a-desire-to-see-the-answers-to-their-questions-they-will-have-a-resour/</loc><lastmod>2014-10-15T12:19:12-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/05/why-didnt-arends-follow-up-on-his-story-by-pointing-out-the-reaction-to-it-and-how-that-reaction-reveals-the-massive-act-of-financial-fraud-the-investing-advice-field-has-become-100-percent-corru/</loc><lastmod>2014-10-21T07:40:39-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/08/valuation-informed-indexing-218-shillers-record-at-short-term-timing-predictions-is-poor/</loc><lastmod>2014-10-21T07:34:34-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/09/valuation-informed-indexing-219-shillers-recent-comments-suggest-that-he-doubts-the-value-of-his-own-research/</loc><lastmod>2014-10-28T09:29:24-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/12/goon-poster-to-rob-the-difference-is-that-todd-tresidder-states-his-opinions-and-they-are-just-that-the-rest-of-us-have-opinions-as-well-with-you-there-is-a-strong-agenda-and-you-want-to-be-the/</loc><lastmod>2014-10-28T10:02:22-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/10/valuation-informed-indexing-220-our-emotional-attachment-to-long-believed-investing-truths-causes-us-to-tune-out-a-mountain-of-evidence/</loc><lastmod>2014-11-04T10:27:29-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/11/valuation-informed-indexing-you-need-to-read-irrational-exuberance-four-times-to-pick-up-on-all-its-insights/</loc><lastmod>2014-11-14T17:50:36-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/12/valuation-informed-indexing-222-the-gruber-rule-you-must-deceive-the-public-for-its-own-good-applies-in-the-investing-advice-field-too/</loc><lastmod>2014-11-18T13:20:51-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/21/my-presentation-to-the-2014-financial-bloggers-conference-fincon14-how-to-predict-stock-returns-for-fun-and-profit/</loc><lastmod>2014-11-20T11:23:46-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/24/everyone-acknowledges-that-shiller-did-amazing-work-but-no-one-can-point-to-a-single-change-in-the-investing-advice-they-give-that-was-made-as-a-result-of-shillers-findings-this-question-is-the/</loc><lastmod>2014-11-23T18:26:23-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/15/valuation-informed-indexing-223-most-investors-follow-modified-versions-of-buy-and-hold-or-valuation-informed-indexing/</loc><lastmod>2014-11-26T11:23:38-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/27/motley-fool-and-wade-pfau-experience-pangs-of-conscience-re-their-safe-withdrawal-rate-lies/</loc><lastmod>2014-11-26T16:20:34-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/11/28/economics-professor-marcelle-chauvet-i-think-you-are-mentioning-my-name-outside-the-context-and-you-inserted-an-answer-below-with-your-own-thoughts-as-i-endorse-them/</loc><lastmod>2014-11-26T16:59:27-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/01/the-last-days-of-stock-investing-risk/</loc><lastmod>2014-11-26T17:13:04-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/02/on-investing-risk-could-be-almost-entirely-optional/</loc><lastmod>2014-11-26T17:23:47-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2014/12/03/kathy-sierra-on-what-drives-the-goons-the-real-problem-was-that-others-were-beginning-to-pay-attention-to-me-his-rage-was-because-in-his-mind-my-work-didnt-deserve-the-attention-from-their-an/</loc><lastmod>2014-11-26T17:48:38-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/16/goon-poster-to-rob-the-difference-is-that-todd-tresidder-states-his-opinions-and-they-are-just-that-with-you-there-is-a-strong-agenda-and-you-want-to-be-the-center-of-attention-and-to-be-consider/</loc><lastmod>2014-11-27T11:04:53-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/17/are-you-willing-to-give-up-the-claim-that-greaneys-safe-withdrawal-rate-numbers-are-the-product-of-research-and-are-properly-understood-as-merely-the-product-of-one-persons-opinion/</loc><lastmod>2014-11-27T11:11:27-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/18/there-is-some-disagreement-on-most-investing-discussion-boards-but-the-range-of-acceptable-opinion-is-far-too-nartow/</loc><lastmod>2014-11-27T11:17:30-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/19/there-was-one-reporter-who-showed-a-lot-of-interest-in-writing-a-big-article-he-has-a-significant-following-on-the-internet-we-had-two-very-long-telephone-calls-there-is-a-lot-of-money-behind-buy/</loc><lastmod>2015-06-19T16:45:53-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/22/its-a-pulitzer-prize-winning-story-but-this-is-scary-stuff-editors-worry-about-losing-advertising-and-the-investing-advice-industry-supplies-most-of-the-advertising-that-appears-in-the-investing/</loc><lastmod>2015-06-22T16:55:15-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/23/goon-poster-to-rob-let-us-pretend-you-alone-had-the-franchise-for-diesel-electric-at-that-moment-in-history-would-a-workable-way-to-foster-the-transition-be-an-attack-on-steam-power-as-unscientifi/</loc><lastmod>2014-11-27T12:12:31-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/24/there-is-no-way-to-make-the-case-for-valuation-informed-indexing-without-pointing-out-the-dangers-of-buy-and-hold-as-it-is-currently-being-promoted-the-peer-reviewed-research-shows-that-nearly-all/</loc><lastmod>2015-06-24T15:03:49-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/25/child-porn-and-slave-trading-and-murder-for-hire-are-far-far-far-worse-for-the-people-touched-by-them-but-these-horrors-are-not-widespread-enough-to-cause-a-loss-of-confidence-in-our-political-sys/</loc><lastmod>2014-11-27T20:57:17-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/26/11872/</loc><lastmod>2014-12-02T17:11:56-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/29/i-had-lunch-with-the-author-of-the-moneycrush-blog-and-with-the-author-of-the-budgeting-in-the-fun-stuff-blog-at-the-financial-bloggers-conference-fincon14-the-topic-was-what-to-do-about-the-goo/</loc><lastmod>2014-12-02T17:24:32-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/06/30/what-you-fail-to-acknowledge-rob-is-that-many-people-just-dont-agree-with-your-conclusions-however-you-have-chosen-not-to-just-let-people-have-a-difference-of-opinion-they-decide-that-they-ha/</loc><lastmod>2014-12-02T17:23:19-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/07/01/i-expect-to-set-up-a-system-whereby-internet-communities-concerned-with-personal-finance-issues-help-the-public-to-identify-the-good-guys-a-good-housekeeping-seal-of-approval-sort-of-thing-lots-of/</loc><lastmod>2014-12-04T06:11:17-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/07/02/it-is-a-grossly-unfair-insult-to-the-authors-of-the-old-school-safe-withdrawal-rate-studies-to-say-that-they-did-not-consider-the-effect-of-returns-sequences-when-they-were-the-ones-who-achieved-tha/</loc><lastmod>2014-12-05T16:44:10-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/07/03/say-that-a-big-paper-like-the-new-york-times-runs-a-story-about-what-you-did-to-wade-pfau-how-many-web-sites-do-you-think-will-pick-up-that-story-how-much-credibility-do-you-think-jack-bogle-will/</loc><lastmod>2014-12-05T16:51:41-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/07/06/every-academic-researcher-wants-to-be-freed-to-do-honest-work-every-blogger-wants-to-be-freed-to-post-honest-blog-entries-every-investment-advisor-wants-to-be-freed-to-give-honest-investment-advic/</loc><lastmod>2014-12-06T11:30:38-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/07/08/valuation-informed-indexing-225-todays-investors-have-little-idea-what-makes-for-a-safe-retirement/</loc><lastmod>2014-12-12T20:31:08-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/07/09/the-people-who-are-getting-things-right-and-thereby-helping-us-all-should-stop-apologizing-for-doing-so/</loc><lastmod>2014-12-12T20:36:49-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/07/10/i-had-a-big-shot-financial-advisor-call-me-on-the-telephone-yesterday-and-talk-to-me-for-over-an-hour-about-this-stuff-i-had-the-same-thing-happen-with-a-different-big-shot-financial-advisor-last-w/</loc><lastmod>2014-12-13T07:16:05-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/07/13/i-really-was-right-in-my-may-13-2002-post-saying-that-the-old-school-retirement-studies-lacked-a-valuation-adjustment-but-i-am-human-like-all-the-others-and-social-pressure-caused-me-to-doubt-mys/</loc><lastmod>2015-07-13T10:12:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/07/14/these-people-have-not-only-gotten-the-investing-question-wrong-they-have-made-it-impossible-for-us-as-a-society-to-ever-get-it-right-we-cannot-gradually-work-our-way-to-the-truth-when-the-penalty/</loc><lastmod>2014-12-16T14:58:19-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/07/15/it-is-barely-possible-for-me-to-imagine-a-scenario-in-which-those-who-have-posted-in-defense-of-greaney-on-numerous-occasions-would-not-go-to-prison-i-believe-that-most-are-going-to-feel-sympat/</loc><lastmod>2014-12-16T15:06:29-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/07/16/valuation-informed-indexing-226-how-do-shillers-findings-change-our-thinking-on-what-stock-allocation-is-optimal/</loc><lastmod>2014-12-16T15:13:50-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/07/17/i-am-not-able-to-produce-anyone-else-who-will-say-publicly-that-those-who-continue-to-promote-buy-and-hold-strategies-today-are-guilty-of-financial-fraud-there-was-a-time-when-it-was-not-possible-t/</loc><lastmod>2014-12-16T15:55:35-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/07/20/prison-sentences-protect-us-from-our-darker-more-goony-selves-take-prison-sentences-out-of-the-investing-advice-game-and-you-are-flooded-with-investing-advice-that-constitutes-financial-fraud-and/</loc><lastmod>2014-12-17T10:35:30-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/07/21/people-dont-shift-to-a-new-model-because-they-are-exposed-to-some-information-about-it-conversion-is-a-more-gradual-process-people-need-to-be-permitted-to-talk-things-out-with-lots-of-diffe/</loc><lastmod>2014-12-17T19:59:03-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/07/22/for-so-long-as-valuation-informed-indexers-defer-to-the-intimidation-tactics-of-the-buy-and-holders-and-hold-back-from-giving-complete-and-clear-explanations-of-why-we-favor-the-theory-behind-vii-b/</loc><lastmod>2014-12-19T17:19:33-05:00</lastmod></url><url><loc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-the-real-return-between-july-1996-and-july-2014-counting-dividends-is-5-9-percent-you-claim-to-have-everything-in-3-5-percent-real-tips-please-explain-how-3-5-percent-is-grea/</loc><lastmod>2015-01-12T10:55:36-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/08/19/valuation-informed-indexing-230-shiller-is-a-bull/</loc><lastmod>2015-01-13T11:07:01-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/08/20/something-that-benefits-every-person-on-the-planet-and-that-is-backed-by-33-years-of-peer-reviewed-research-and-a-nobel-prize-is-sooner-or-later-going-to-happen-the-question-of-whether-or-not-we-ar/</loc><lastmod>2015-01-13T11:37:01-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/08/21/there-are-hundreds-of-billions-of-dollars-to-be-made-helping-people-learn-how-stock-investing-works-according-to-the-peer-reviwed-research-lots-of-people-are-just-waiting-until-the-time-is-right/</loc><lastmod>2015-01-20T14:01:14-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/08/24/valuation-informed-indexing-231-the-last-19-years-of-returns-offer-support-for-both-the-buy-and-hold-and-valuation-informed-indexing-strategies/</loc><lastmod>2015-01-20T14:09:04-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/08/25/it-is-because-we-are-on-the-verge-of-the-greatest-advance-in-the-history-of-personal-finance-that-the-buy-and-holders-are-so-insanely-defensive-if-the-peer-reviewed-research-that-i-co-authored-with/</loc><lastmod>2015-01-21T15:00:01-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/08/26/there-are-billions-to-be-made-giving-honest-investing-advice-there-are-thousands-of-people-who-would-like-to-get-on-that-gravy-train-now-they-have-a-site-that-they-can-use-to-protect-themselves-fr/</loc><lastmod>2015-01-26T18:27:35-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/08/27/valuation-informed-indexing-232-the-four-years-of-perfectly-efficient-madness/</loc><lastmod>2015-01-27T11:27:42-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/08/28/you-goons-would-permit-me-to-post-at-other-sites-if-i-dropped-the-process-side-stuff-you-dont-want-me-to-say-the-buy-and-holders-got-it-wrong-and-you-dont-want-me-to-report-on-the-intimida/</loc><lastmod>2015-01-27T13:26:04-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/08/31/despite-the-betrayal-wade-pfau-is-doing-good-and-important-work-he-is-opening-minds-wades-ideas-cannot-prevail-until-we-work-up-the-courage-to-take-on-the-buy-and-hold-mafia-so-wade-and-i-are/</loc><lastmod>2015-01-27T13:22:10-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/01/if-i-handed-ten-employees-of-my-company-blank-checks-and-said-this-is-in-payment-for-the-services-you-provided-last-year-you-can-fill-in-any-number-you-like-but-you-all-must-agree-on-the-same-num/</loc><lastmod>2015-01-29T15:14:31-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/02/our-economic-system-is-built-around-the-idea-of-fantasies-coming-true-every-now-and-again-and-making-us-all-richer-as-a-result-keep-everything-the-way-it-has-always-been-never-permit-a-new-idea-to/</loc><lastmod>2015-01-31T11:31:16-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/03/intelectual-points-are-a-secondary-consideration-for-everyone-on-the-other-side-their-first-concern-is-staying-out-of-prison-how-am-i-supposed-to-persuade-people-in-those-circumstances-we-cou/</loc><lastmod>2015-01-31T12:56:02-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/04/the-time-to-stop-bubbles-is-before-they-develop-what-we-need-to-do-is-to-show-people-how-much-sooner-they-could-retire-if-they-followed-research-based-strategies-rather-than-the-buy-and-hold-stuff/</loc><lastmod>2015-01-31T13:07:40-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/07/valuation-informed-indexing-233-why-does-paradigm-change-have-to-be-so-hard/</loc><lastmod>2015-02-03T18:05:20-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/08/goon-poster-to-rob-none-of-those-guys-jack-bogle-bill-bernstein-scott-burns-and-wade-pfau-owes-you-jack-squat-not-only-are-they-not-required-to-tell-you-something-they-know-they-can-take-a-st/</loc><lastmod>2015-02-04T09:54:15-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/09/goon-poster-to-rob-financial-fraud-requires-a-fiduciary-relationship-look-it-up-does-wade-pfau-manage-your-money-anyone-elses-then-he-can-legally-lie-through-his-teeth-from-now-till-doomsday/</loc><lastmod>2015-02-04T10:01:00-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/10/valuation-informed-indexing-234-what-we-need-to-do-to-achieve-paradigm-change-in-the-investing-realm/</loc><lastmod>2015-02-10T17:16:14-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/11/valuation-informed-indexing-235-20-dangerous-investing-myths-part-one/</loc><lastmod>2015-02-17T10:45:15-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/14/wade-pfau-agreed-to-betray-himself-and-his-family-and-his-profession-and-his-country-do-you-not-see-how-that-makes-him-feel-ashamed-of-himself-wade-is-in-pain-he-is-trying-to-forget-what-he-has-d/</loc><lastmod>2015-02-18T07:49:58-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/15/we-cannot-wait-until-there-is-a-100-percent-consensus-that-valuation-informed-indexing-is-the-answer-before-permitting-honest-discussion-of-the-findings-of-the-last-34-years-of-peer-reviewed-researc/</loc><lastmod>2015-02-18T08:00:12-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/02/23/we-dont-want-to-admit-to-ourselves-that-we-have-fallen-for-a-get-rich-quick-scheme-the-hard-part-is-the-part-where-the-person-comes-clean-with-himself-once-we-can-become-honest-with-ourselves-ab/</loc><lastmod>2015-02-22T10:54:51-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/16/12054/</loc><lastmod>2015-02-26T17:28:33-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/17/valuation-informed-indexing-237-why-baseball-teams-are-more-open-to-change-than-investing-analysts/</loc><lastmod>2015-03-03T10:43:44-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/18/john-walter-russell-and-i-had-a-knock-down-drag-out-just-before-we-released-the-retirement-risk-evaluator-he-wanted-to-call-the-withdrawal-rate-that-was-more-likely-than-not-to-succeed-the-one-wi/</loc><lastmod>2015-03-03T11:08:02-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/21/goon-poster-to-rob-in-two-posts-posted-within-one-hour-of-each-other-the-information-is-freely-available-those-boards-are-the-property-of-other-people-they-can-kick-you-out-at-any-time-the-bo/</loc><lastmod>2015-03-05T10:29:02-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/22/i-look-at-the-people-who-get-it-and-try-to-identify-similarities-part-of-it-is-caring-about-something-other-than-investing-enough-to-overcome-the-power-that-the-get-rich-quick-urge-has-to-fool-us-a/</loc><lastmod>2015-03-06T09:19:46-05:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/23/valuation-informed-indexing-238-a-conversation-with-an-open-minded-valuation-informed-indexing-skeptic/</loc><lastmod>2015-03-14T18:05:36-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/24/either-because-i-am-a-very-lucky-individual-or-because-i-am-a-very-unlucky-individual-i-see-these-issues-with-great-clarity/</loc><lastmod>2015-03-16T16:11:00-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/25/valuation-informed-indexing-239-every-bull-market-requires-a-conspiracy/</loc><lastmod>2015-03-17T19:24:47-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/28/if-valuation-informed-indexing-is-going-to-prevail-i-need-to-advance-every-argument-i-put-forward-as-forcefully-as-i-am-able-to-advance-it-so-does-every-other-advocate-of-the-new-model/</loc><lastmod>2015-03-21T13:17:21-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/29/valuation-informed-indexing-240-what-ive-learned-from-listening-to-the-harshest-critics-of-my-investing-ideas/</loc><lastmod>2015-03-25T12:37:50-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/09/30/valuation-informed-indexing-241-research-on-bubbles-should-be-encouraged-despite-the-limited-amount-of-historical-data-available-to-us/</loc><lastmod>2015-03-31T09:45:18-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/10/01/goon-poster-to-rob-good-ideas-ideas-that-pass-logical-and-empirical-muster-simply-cannot-be-long-suppressed-even-if-one-inventor-discoverer-or-vocal-proponent-is-somehow-squelched-others-i/</loc><lastmod>2015-04-04T20:01:35-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/10/02/valuation-informed-indexing-242-shillers-claim-that-it-is-now-investor-anxiety-rather-than-investor-exuberance-pushing-stock-prices-up-is-unconvincing/</loc><lastmod>2015-04-08T16:17:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/10/05/12088/</loc><lastmod>2015-04-14T15:24:07-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/10/06/valuation-informed-indexing-244-we-should-ignore-shillers-stories-and-focus-on-shillers-number/</loc><lastmod>2015-04-22T19:40:58-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/10/07/the-question-you-are-asking-is-what-precisely-is-the-line-that-one-cannot-cross-before-being-put-on-the-must-destroy-list-of-the-buy-and-hold-mafia-the-line-is-not-a-fixed-place-back-in-may-2/</loc><lastmod>2015-04-24T03:40:05-04:00</lastmod></url><url><loc>https://arichlife.passionsaving.com/2015/10/08/valuation-informed-indexing-245-ro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