Best wishes for clear weather at your Valencia trip, Mark! We had 4 minutes of totality at the solar eclipse in a clear sky here in 2024 at our northern Ohio CCRC — even the wild geese on the backyard pond went quiet and still during that unique darkness.
if your age begins with the number eight, the can of shaving cream you buy today just might be a lifetime supply. Older residents at my CCRC have been heard to joke that they don't buy green bananas.
I have a little box full of pressed 4-, 5-, 6-, and 7-leaf clovers that I used to find as a youth when told to get out of the house and go play (alone, because no friends living close by). Tip: if you find one, keep looking — they tend to grow in clusters.
I found the articles using the search box labeled "Search Site" that's available on HumbleDollar pages (at the top or at the bottom). I just used the words direct index and several articles came up. I didn't include the links because I've read that embedding more than one link requires moderation. I'll try just listing the links here: Kernen
https://humbledollar.com/2021/08/going-direct/ Zaccardi
https://humbledollar.com/2021/10/build-your-own/ Grossman
https://humbledollar.com/2025/02/one-stock-at-a-time/ R L
https://humbledollar.com/forum/tax-efficient-investing-for-retirees-with-high-net-worth-direct-indexing/
There have been a few HumbleDollar posts; search for, e.g., "Going Direct" by Phil Kernen (Aug 23, 2021) "Build Your Own?" by Mike Zaccardi (Oct 10, 2021) "One Stock at a Time" by Adam Grossman (Feb 16, 2025) "Tax Efficient Investing for Retirees with High Net Worth: Direct Indexing?" by R L (May 8, 2025)
The safety dimension is also worth considering ... as we age. Night vision deteriorates. Don't forget cataracts. For years mine had been slowly developing and I'd been getting more and more anxious about both night and daytime driving. I sold my car the day before arriving at my CCRC. Within a year I had the cataract surgeries, and I'm still glad not to be driving. Lots of our residents have happily stopped driving. No fear of isolation, of course, living in a community. I take advantage of our frequent free bus trips in and out of town, and, now that I've also had the desperately needed hip replacement, I walk or ride my semirecumbent (nonelectric: flat Ohio terrain) trike all over town. There's also a free driver-driven e-bus operating on a daytime fixed-loop shuttle route around town that includes our CCRC. If driverless technology with pickup and drop-off communication can eventually handle e-bus transportation here, too, I'll be interested to try it.
Andrew, thank you so much for this. The advances in transportation and communication in the last century have wakened us to the perspective that we are all one human family. The images of Earth from space have, for the first time in history, shown us that national boundaries are artificial — we are all world citizens.
Here's what worked for me in the late '60s to early '70s; maybe some of these ideas of how one might manage without an allowance will help: Dad paid tuition, room, and board, for undergraduate only. Although I was not on financial aid, the college had other jobs available, so I was able to pay for discretionary expenses. I had no car; I don't remember who paid for books. In those four years I found jobs including dorm reception desk, mail distribution, dining hall work, resident assistant, dorm manager, and some local babysitting. I spent the summer after freshman year with a classmate at her awesome home while working on a research project with her that paid a little stipend. After spending the second summer at my home (and vowing never again), I spent the next three summers, including between the two years in graduate school, working for my undergraduate college in various positions in dean's offices, as a dorm director for summer conferences, and as a house sitter for faculty. My master's degree was a one-year program done in two years, studying half-time with a teaching fellowship that paid tuition and a stipend, and serving as a dorm director half-time that paid room and board and a stipend.
Comments
Instead of putting this idea in a comment to this post, it would make an excellent separate post to the HD forum.
Post: Lifetime Supply
Link to comment from May 23, 2026
Best wishes for clear weather at your Valencia trip, Mark! We had 4 minutes of totality at the solar eclipse in a clear sky here in 2024 at our northern Ohio CCRC — even the wild geese on the backyard pond went quiet and still during that unique darkness.
Post: Lifetime Supply
Link to comment from May 21, 2026
if your age begins with the number eight, the can of shaving cream you buy today just might be a lifetime supply. Older residents at my CCRC have been heard to joke that they don't buy green bananas.
Post: Lifetime Supply
Link to comment from May 21, 2026
I have a little box full of pressed 4-, 5-, 6-, and 7-leaf clovers that I used to find as a youth when told to get out of the house and go play (alone, because no friends living close by). Tip: if you find one, keep looking — they tend to grow in clusters.
Post: The Mirrored Funnel
Link to comment from May 11, 2026
I found the articles using the search box labeled "Search Site" that's available on HumbleDollar pages (at the top or at the bottom). I just used the words direct index and several articles came up. I didn't include the links because I've read that embedding more than one link requires moderation. I'll try just listing the links here: Kernen https://humbledollar.com/2021/08/going-direct/ Zaccardi https://humbledollar.com/2021/10/build-your-own/ Grossman https://humbledollar.com/2025/02/one-stock-at-a-time/ R L https://humbledollar.com/forum/tax-efficient-investing-for-retirees-with-high-net-worth-direct-indexing/
Post: Direct Indexing Anyone?
Link to comment from May 11, 2026
There have been a few HumbleDollar posts; search for, e.g., "Going Direct" by Phil Kernen (Aug 23, 2021) "Build Your Own?" by Mike Zaccardi (Oct 10, 2021) "One Stock at a Time" by Adam Grossman (Feb 16, 2025) "Tax Efficient Investing for Retirees with High Net Worth: Direct Indexing?" by R L (May 8, 2025)
Post: Direct Indexing Anyone?
Link to comment from May 10, 2026
The safety dimension is also worth considering ... as we age. Night vision deteriorates. Don't forget cataracts. For years mine had been slowly developing and I'd been getting more and more anxious about both night and daytime driving. I sold my car the day before arriving at my CCRC. Within a year I had the cataract surgeries, and I'm still glad not to be driving. Lots of our residents have happily stopped driving. No fear of isolation, of course, living in a community. I take advantage of our frequent free bus trips in and out of town, and, now that I've also had the desperately needed hip replacement, I walk or ride my semirecumbent (nonelectric: flat Ohio terrain) trike all over town. There's also a free driver-driven e-bus operating on a daytime fixed-loop shuttle route around town that includes our CCRC. If driverless technology with pickup and drop-off communication can eventually handle e-bus transportation here, too, I'll be interested to try it.
Post: Ageing and the Open Road
Link to comment from May 2, 2026
Andrew, thank you so much for this. The advances in transportation and communication in the last century have wakened us to the perspective that we are all one human family. The images of Earth from space have, for the first time in history, shown us that national boundaries are artificial — we are all world citizens.
Post: One World, One Kind of Work
Link to comment from April 30, 2026
Here's what worked for me in the late '60s to early '70s; maybe some of these ideas of how one might manage without an allowance will help: Dad paid tuition, room, and board, for undergraduate only. Although I was not on financial aid, the college had other jobs available, so I was able to pay for discretionary expenses. I had no car; I don't remember who paid for books. In those four years I found jobs including dorm reception desk, mail distribution, dining hall work, resident assistant, dorm manager, and some local babysitting. I spent the summer after freshman year with a classmate at her awesome home while working on a research project with her that paid a little stipend. After spending the second summer at my home (and vowing never again), I spent the next three summers, including between the two years in graduate school, working for my undergraduate college in various positions in dean's offices, as a dorm director for summer conferences, and as a house sitter for faculty. My master's degree was a one-year program done in two years, studying half-time with a teaching fellowship that paid tuition and a stipend, and serving as a dorm director half-time that paid room and board and a stipend.
Post: How much to provide a college student monthly?
Link to comment from April 25, 2026
😂
Post: Scent of a Cheapskate: Frugality Gone Wrong
Link to comment from April 17, 2026