A good example of someone stating something against convention to bring attention to themselves. Typically works as it triggers many. Like a historian claiming at George Washington was horrific. What do they gain by saying GW was great like everyone else does? You do use this triggering claim to convey some useful info. Kudos.
DI is a lot more work than most want to spend on managing their finances, especially in retirement. Way too complex to take into late retirement. A direct investor is likely overfunded or will be, you have better uses of your time unless finances is your hobby. DI will not make or break a retirement portfolio, an optimization strategy at best.
I would tie some of the funding to good performance at school. Not straight A's but they should show evidence of working hard toward their degree (anyone not in STEM should have at least a B average). This is not playtime....
Depends on the recipient. $10K to someone w/o money skills would likely putter it away on a luxury item, down payment on a car they can't afford, etc. Likely few would keep it invested. Few young folks (including myself) would likely keep the money in the market. There is also the debate as to the value in dollars today vs. future. Not in pure monetary terms. But what even a minimal amount of money can do for one when they are low means. $1K when I was a poor, unsupported college student, would have a lot more useful to me than the growth amount of this money 20 years later.
All for it. But it will be yet another painful transition for those effected by automation. Bus drivers (along with long haul trucking, delivery drivers, etc.) are well paying jobs that don't require experience/training. When these adjustments are slow, it only effects new workers, the existing workers slowly age out. But if this happens quickly, it will be a difficult adjustment for tens of thousands....
I suspect that the only ones that regret children are the ones where the children don’t turn out well. If the children do turn out well, I can’t imagine anyone exchanging them for more money.
What I’d like to know is why those who can afford children agonize over affording (they are financially stable enough and/or upwardly mobile) to have them and those who can’t have no problem having them in abundance…..
Appears that this could have been a successful merger if not for the initial overpayment (a bid if I admit). It made a lot of sense, not two completely different companies. A lot of back-office savings. But of course, all the bidders knew this. The smart ones bowed out when the price when too high. The "winner" not realizing they doomed what was a good idea.
I suspect that most on this forum are overfunded for retirement and have, or should have, no concerns even if economy gets worse. Also, any planner worth their salt would have automatic contingency plans for negative economic events (I change nothing unless the bad economic events are elongated, go on for years). Most likely have 3-5 years of guaranteed income (many guaranteed income for life). So for most it is “smile and wave.” My concerns are more for my kids, whom are much more vulnerable to economic events.
Where did you get the advice "A sensible recommendation is to invest 20% to 50% in foreign markets."? 20-30% is a more common recommendation, certainly nothing near 50%. As far as where to hold foreign stocks, it is likely what the best place to keep it is where it will be the simplest and easiest to manage (rebalancing, etc.) in your portfolio. Albeit, the general recommendation is in taxable brokerage accounts so you can claim the foreign tax credits.
Comments
A good example of someone stating something against convention to bring attention to themselves. Typically works as it triggers many. Like a historian claiming at George Washington was horrific. What do they gain by saying GW was great like everyone else does? You do use this triggering claim to convey some useful info. Kudos.
Post: Retirement Accounts
Link to comment from May 19, 2026
DI is a lot more work than most want to spend on managing their finances, especially in retirement. Way too complex to take into late retirement. A direct investor is likely overfunded or will be, you have better uses of your time unless finances is your hobby. DI will not make or break a retirement portfolio, an optimization strategy at best.
Post: Direct Indexing Anyone?
Link to comment from May 16, 2026
A leveraged buy-out, they will issue more stock to pay for eBay. Either way GameStop wins as their stock will rise whichever way the deal goes.
Post: Pricing the Impossible
Link to comment from May 9, 2026
I would tie some of the funding to good performance at school. Not straight A's but they should show evidence of working hard toward their degree (anyone not in STEM should have at least a B average). This is not playtime....
Post: How much to provide a college student monthly?
Link to comment from May 2, 2026
Depends on the recipient. $10K to someone w/o money skills would likely putter it away on a luxury item, down payment on a car they can't afford, etc. Likely few would keep it invested. Few young folks (including myself) would likely keep the money in the market. There is also the debate as to the value in dollars today vs. future. Not in pure monetary terms. But what even a minimal amount of money can do for one when they are low means. $1K when I was a poor, unsupported college student, would have a lot more useful to me than the growth amount of this money 20 years later.
Post: For Richer, For Poorer: 37 Years of Compounding
Link to comment from May 2, 2026
All for it. But it will be yet another painful transition for those effected by automation. Bus drivers (along with long haul trucking, delivery drivers, etc.) are well paying jobs that don't require experience/training. When these adjustments are slow, it only effects new workers, the existing workers slowly age out. But if this happens quickly, it will be a difficult adjustment for tens of thousands....
Post: Ageing and the Open Road
Link to comment from May 2, 2026
I suspect that the only ones that regret children are the ones where the children don’t turn out well. If the children do turn out well, I can’t imagine anyone exchanging them for more money. What I’d like to know is why those who can afford children agonize over affording (they are financially stable enough and/or upwardly mobile) to have them and those who can’t have no problem having them in abundance…..
Post: Financial regrets about parenthood?
Link to comment from April 12, 2026
Appears that this could have been a successful merger if not for the initial overpayment (a bid if I admit). It made a lot of sense, not two completely different companies. A lot of back-office savings. But of course, all the bidders knew this. The smart ones bowed out when the price when too high. The "winner" not realizing they doomed what was a good idea.
Post: How Deals Hurt Returns
Link to comment from April 4, 2026
I suspect that most on this forum are overfunded for retirement and have, or should have, no concerns even if economy gets worse. Also, any planner worth their salt would have automatic contingency plans for negative economic events (I change nothing unless the bad economic events are elongated, go on for years). Most likely have 3-5 years of guaranteed income (many guaranteed income for life). So for most it is “smile and wave.” My concerns are more for my kids, whom are much more vulnerable to economic events.
Post: Any concern?
Link to comment from March 28, 2026
Where did you get the advice "A sensible recommendation is to invest 20% to 50% in foreign markets."? 20-30% is a more common recommendation, certainly nothing near 50%. As far as where to hold foreign stocks, it is likely what the best place to keep it is where it will be the simplest and easiest to manage (rebalancing, etc.) in your portfolio. Albeit, the general recommendation is in taxable brokerage accounts so you can claim the foreign tax credits.
Post: Taxes on foreign stocks
Link to comment from February 21, 2026