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JAFO,

Not only do I not have a hard time understanding, but I accept them as well. Opportunity cost is a well defined and well understtod term. What I object to is your "repackaging" (or merging) of well understood concepts into other well understood concepts.

Why? That's one of the ways that people best learn.

What specifically do you have a problem with in regard to the concept that everything is financed?

I do know, however, that such point is exactly the one that Ray has been making to you while waiting for you spreadsheet about Indexed Universal Life Policies (IIRC). and that you have been arguing the other side of the question in that thread.

I haven't heard from anyone on that thread (you're referring to the 'retirement investing' board, I am assuming?) I'd put that in the ideological religion category with Political Asylum... same approaches to personal respect, reason and logic. But if you are saying somebody's sincerely open to learning there, I'll go check it out again.

Cheers,
Dave
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