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the added bonus of exchange rate fluctuations to consider

Perhaps some financial wiz like howardroark will tell me I'm nuts, but given that we are looking years/decades out (and we can't begin to predict these exchange rate fluctuations), I would ignore them. Odds are they will more or less even out over the course of decades, especially between two first-world countries like the US and Australia.

I suppose if you wanted to get really fancy you could plot the exchange rate over time, run a spline fitting routine, and make some projections. But given how unforseen events (like wars) can have major effects on exchange rates, I'm not sure how useful an exercise that would be.

just 1poorguy's opinion...probably worth what you paid for it!
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