Jim Dean![]() Sage ![]() ![]() Posts: 3022 Joined: 9/21/2006 Location: L'ville, GA ![]() | Hi Mark Glad to see you have included the RoR in your analysis. Suggestion - to probably widely varying degrees, “we” (collective) may believe that the core RTM logic that all this is built upon has been to some degree or another compromised by indirect, unintentional curve fitting. So - again just my suggestion - I’d suggest applying a factor of at least two to the RoR (ie double it), and similarly doubling guesses of actual vs historical DD’s, and halving good numbers like APR. jmho fwiw. |