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To make this important point: You and I benefit from simulations because we test our asset allocation formula and our spending plan together. We not only want an asset allocation and spending plan that stands up reasonably well in a financial storm, we want an asset allocation and spending plan that helps us avoid freaking out at the worst possible moment.

Before fire season, move combustibles away from your house. Fences and dry vegetation give fires a place to grow, says Jonathan Cox at Cal Fire, California’s Department of Forestry and Fire Protection. Hosing down your house won’t help much, either, he says: “The way a lot of these homes burn is through something called ember cast, when embers from the fire fly over and drop little fires everywhere. With a huge ember cast, hosing down your house doesn’t do much.”
Note: Yale’s withdrawal rate runs about 5%–a reflection of the market beating returns they’ve earned as an active investor. But the actual formula reflects a variable withdrawal rate because the planned draw for the coming year equals 80% of the current year’s draw plus 20% of the historical spending rate times applied to the endowment fund’s previous year’s ending balance.
Some preppers have considered ramping up efforts since President Obama's re-election last week, convinced it means the economy will soon collapse in a cascade of debt. Some are convinced Iran or another enemy is developing an electromagnetic pulse weapon that would wipe out the power, communication and transportation grids, rendering useless any device with a microchip.

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