Here’s my perspective: Bitcoin is built on blockchain technology, and I’m a strong believer in its potential. I invested in BLOK, which is a concentrated ETF that focuses on blockchain companies. My understanding is that Bitcoin is essentially software, meaning there are likely unlimited similar products possible, which may not make it a good long-term investment. In the first couple of years, I experienced losses with BLOK, but I’ve seen positive returns recently. The volatility has been exhilarating, and I’m glad that my investment was a small one.
Great article. I propose one addition: when deciding between a 15-year mortgage and a 30-year mortgage, opt for the 30-year and make the 15-year payments. Yes, you will pay a little more interest, but you have some real flexibility.
I agree! On average, everyone gets the same amount, the government isn't stupid. No one points out that if you wait until 70 you have a smaller chance of collecting the average amount. I'm unsure how to do the math, but I think I'm right. If the sequence of return is your biggest worry, OK. If you've done your retirement planning right and been a little lucky, the sequence of return probably isn't your biggest worry. I have one confession, my SS check feels like free money, and it's much easier to spend. Ed,
Steve, I was close to the Pharmaceutical business during my 50-year career. I thought they had a legal way to steal, but I could also tell I would be no good at picking the winners. So the light came on and mutual funds were the idea. We're talking about the early 1980s. I now have 4 Healthcare funds, my biggest is with Vanguard, only because it was the first. My T. Rowe Price has been the best performer over the past 15 years, and all have equaled, or bettered the S&P 500 index. Somewhere in my readings, I ran across an adviser saying 50% was OK in healthcare. I've also bought a small position in ARKG, after reading The Code Breakers: Jennifer Doudna, I'm a big believer in CRISPR, and it has the possibility of revolutionizing healthcare as we know it. I think healthcare is good for another 5 or more years, but as the government ends up paying for more and more healthcare, the profitability is going to get less and less. Ed Bye RPh.
Don, I've done the same thing for most of my investing life. When the market is down, I hardly look at it, when it reaches new highs I'm checking almost every day. It has worked well for me.
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Here’s my perspective: Bitcoin is built on blockchain technology, and I’m a strong believer in its potential. I invested in BLOK, which is a concentrated ETF that focuses on blockchain companies. My understanding is that Bitcoin is essentially software, meaning there are likely unlimited similar products possible, which may not make it a good long-term investment. In the first couple of years, I experienced losses with BLOK, but I’ve seen positive returns recently. The volatility has been exhilarating, and I’m glad that my investment was a small one.
Post: Supercharging Your Retirement with Crypto: A Wise Move, or a Risky Bet?
Link to comment from August 8, 2025
Great article. I propose one addition: when deciding between a 15-year mortgage and a 30-year mortgage, opt for the 30-year and make the 15-year payments. Yes, you will pay a little more interest, but you have some real flexibility.
Post: Room to Maneuver
Link to comment from July 5, 2025
Post: Quinn asks himself, Is delaying Social Security to age 70 the right decision?
Link to comment from September 22, 2024
Steve, I was close to the Pharmaceutical business during my 50-year career. I thought they had a legal way to steal, but I could also tell I would be no good at picking the winners. So the light came on and mutual funds were the idea. We're talking about the early 1980s. I now have 4 Healthcare funds, my biggest is with Vanguard, only because it was the first. My T. Rowe Price has been the best performer over the past 15 years, and all have equaled, or bettered the S&P 500 index. Somewhere in my readings, I ran across an adviser saying 50% was OK in healthcare. I've also bought a small position in ARKG, after reading The Code Breakers: Jennifer Doudna, I'm a big believer in CRISPR, and it has the possibility of revolutionizing healthcare as we know it. I think healthcare is good for another 5 or more years, but as the government ends up paying for more and more healthcare, the profitability is going to get less and less. Ed Bye RPh.
Post: Healthy Choices
Link to comment from April 25, 2023
Don, I've done the same thing for most of my investing life. When the market is down, I hardly look at it, when it reaches new highs I'm checking almost every day. It has worked well for me.
Post: My Confession
Link to comment from December 23, 2022