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@ky.emmaaa: #beach #vacay #OOTD

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Wednesday 24 June 2026 16:02:34 GMT
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brenlibobb
bren⚡️ :
you’re breathtaking
2026-06-25 03:33:47
0
jujuondatbeat787
jujuondatbeat787 :
Yea so you’re perf
2026-06-24 16:21:19
1
sarah_yohross
sarah 🌞💖 :
Ugh you guys are so bhad
2026-06-24 19:24:38
1
hannah.fassold
hannah :
hello bb
2026-06-24 16:52:22
1
sarah_yohross
sarah 🌞💖 :
2026-06-24 19:25:05
1
hannah.fassold
hannah :
love
2026-06-24 16:52:24
1
alexrummel_
alex :
Stop getting so tan
2026-06-24 18:51:34
1
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She showed viewers how women can pee standing up,#usanews🇺🇸 #viralvideo #newsupdate #caughtoncameraShe #fyyyyyyyyyypppppppppppppp
She showed viewers how women can pee standing up,#usanews🇺🇸 #viralvideo #newsupdate #caughtoncameraShe #fyyyyyyyyyypppppppppppppp


The Paper That Says Own Zero Bonds
 The strongest paper against owning bonds buys 27 percent of them at 65. Amazon sold $14 billion of Canadian dollar bonds in June. Alphabet $8.5 billion in May. IBM came back after 14 years. Record $33.8 billion year for it, and 0.9 percent of a broad Canadian bond fund is now US tech debt that didn't exist 2 years ago. So people are asking whether they should own any of it. There's a serious answer that says no. Anarkulova, Cederburg and O'Doherty. 39 countries, 1890 to 2023, a million simulated lifetimes. All stocks, all the time. A 7 percent chance of running out of money against 19.7 for the funds that get more conservative as you age. They publish the price too. The typical worst drop along the way is 56 percent. 1 lifetime in 100 drops 91. And then the part that doesn't get quoted. They also ran a version where the model picks the mix at every age instead of holding one for life. That one buys 27 percent short-term government bonds at 65, 7 percent by 68, and zero by 70. Cederburg's own explanation is the order of returns. So the argument was never really whether. It's how many years, and when. Two notes before anyone asks. It's a working paper, not peer reviewed. And Emory funded it, not Dimensional. Full breakdown, including Asness and Swedroe on the other side, is in the guide in the community.
The Paper That Says Own Zero Bonds
 The strongest paper against owning bonds buys 27 percent of them at 65. Amazon sold $14 billion of Canadian dollar bonds in June. Alphabet $8.5 billion in May. IBM came back after 14 years. Record $33.8 billion year for it, and 0.9 percent of a broad Canadian bond fund is now US tech debt that didn't exist 2 years ago. So people are asking whether they should own any of it. There's a serious answer that says no. Anarkulova, Cederburg and O'Doherty. 39 countries, 1890 to 2023, a million simulated lifetimes. All stocks, all the time. A 7 percent chance of running out of money against 19.7 for the funds that get more conservative as you age. They publish the price too. The typical worst drop along the way is 56 percent. 1 lifetime in 100 drops 91. And then the part that doesn't get quoted. They also ran a version where the model picks the mix at every age instead of holding one for life. That one buys 27 percent short-term government bonds at 65, 7 percent by 68, and zero by 70. Cederburg's own explanation is the order of returns. So the argument was never really whether. It's how many years, and when. Two notes before anyone asks. It's a working paper, not peer reviewed. And Emory funded it, not Dimensional. Full breakdown, including Asness and Swedroe on the other side, is in the guide in the community.
#doubleexposure
#doubleexposure
On the menu: tomato soup with crispy bacon and feta, sourdough bread with cheddar and jalapeño, chicken souvlaki, Greek yogurt tzatziki, pastry apple rings, roasted garlic butter with parsley, and smoked salt flakes ☺️🤌🏼 #EasyRecipe #soupseason #puffpastry #DinnerIdeas
On the menu: tomato soup with crispy bacon and feta, sourdough bread with cheddar and jalapeño, chicken souvlaki, Greek yogurt tzatziki, pastry apple rings, roasted garlic butter with parsley, and smoked salt flakes ☺️🤌🏼 #EasyRecipe #soupseason #puffpastry #DinnerIdeas

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