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	<title>Atlanta Planning Guys &#187; market swings</title>
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	<link>http://atlantaplanningguys.com</link>
	<description>Atlanta Planning Guys is an informal blog  in which CERTIFIED FINANCIAL PLANNER™ professional, Cass Chappell , of Chappell Financial Group,  shares his ideas and opinions with the general public.</description>
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		<title>“How Much is Enough?”</title>
		<link>http://atlantaplanningguys.com/?p=97</link>
		<comments>http://atlantaplanningguys.com/?p=97#comments</comments>
		<pubDate>Wed, 14 Jan 2009 15:33:36 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[2008]]></category>
		<category><![CDATA[investing for the long haul]]></category>
		<category><![CDATA[market history]]></category>
		<category><![CDATA[market swings]]></category>
		<category><![CDATA[nest egg]]></category>
		<category><![CDATA[Retirement Income]]></category>
		<category><![CDATA[retirement philosophy]]></category>
		<category><![CDATA[Retirement Withdrawals]]></category>
		<category><![CDATA[stock market investing]]></category>
		<category><![CDATA[sustainable withdrawal ratio]]></category>
		<category><![CDATA[William Bengen]]></category>
		<category><![CDATA[Year in Review]]></category>

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As financial planners, we are frequently asked about “sustainable withdrawal ratios”, or in other words, “How much money do I need to retire?”

It seems as if there are as many articles and books written on the topic as there are people looking for the answer.  Our withdrawal philosophy has been molded via several sources, but [...]]]></description>
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		<title>Reversion to the Mean</title>
		<link>http://atlantaplanningguys.com/?p=61</link>
		<comments>http://atlantaplanningguys.com/?p=61#comments</comments>
		<pubDate>Fri, 10 Oct 2008 17:52:28 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[CNBC]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[irrational pessimism]]></category>
		<category><![CDATA[market drops]]></category>
		<category><![CDATA[market swings]]></category>
		<category><![CDATA[Regression to the Mean]]></category>
		<category><![CDATA[Reversion to the Mean]]></category>
		<category><![CDATA[standard deviation]]></category>
		<category><![CDATA[Statistics]]></category>
		<category><![CDATA[stock market]]></category>

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		<description><![CDATA[                                                                  
On CNBC this morning, terms like &#8220;oversold&#8221; and &#8220;irrational pessimism&#8221; were uttered frequently.  Countless charts and graphs showing stock prices and current yields were abundant (some of them were amazing!).  Comparisons of corporate profits now and corporate profits in 2003 (generally, they are MUCH higher now) frequently appeared on the screen.  The stock market is [...]]]></description>
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