When I was young, I've always wondered to myself why folks who disagree about investing would not simply take out $100,000 in cash, structure a portfolio, and then see who has a stronger investment idea.

More than a decade ago, fresh after my CFA exams, after I published Growing Your Tree of Prosperity and immediately started to offend Financial Advisors with my strident insistence of Buy Term and Invest the Rest.

One FA was so angry with me, he tried to challenge me to a financial duel. While my investment ideas were quite immature at that time, I thought I would scare the shit out of him in spite of my total lack of investment know-how. First I told him that he must challenge me with his name in public and his firm, we will do this on the newspapers. Then  I told him that the sample portfolio must take into account