Patientrenter — Thanks very much — I have enjoyed your insightful posts as well.
Raybyrnes — I don’t think I can actually get into public discussions about financial stuff without getting it vetted (per this post). I think I’m limited to pointing people at stuff that’s already been vetted and leaving it at that. 🙂
So, I can’t really address that question here on the forum, but anyone is always welcome to email me at [email protected] if they want to talk about this stuff.