By CARL RICHARDS

Relying on historical averages to plan for the future is not as useful as basing decisions on values, goals and resources.

Published: October 14, 2013 at 4:00AM

via NYT Your Money http://www.nytimes.com/2013/10/14/your-money/when-the-financial-past-is-not-prologue.html

via May 21st 2011 wrong http://may21st2011.wordpress.com/2013/10/14/442/