Jonathan Clements reportedly insisted on the continuation of the up and down arrow system in the past. That was then, and this is now. Down arrows are now unpopular and controversial, so they have been removed on an “experimental” basis. Personally, I view the down arrow controversy as overheated and unimportant. The seemingly endless, heated, occasionally rude comments in response to the Where Are The Ladies? post suggest that the HD site and the HD “community” have more serious issues and divisions than the use and alleged misuse of down arrows.
That is a feature, not a bug, in our political system. This, not a problem. Countless groups send petitions to Congress and raise money. That is how the system works, like it or not.
Seniors, like so many other groups, have become an organized interest group in our political system Organized interest groups advocate for the particular goals of their group. They fund raise to support their advocacy and use overheated and melodramatic language to solicit funds The Senior Citizens League, which I have never heard of, is one of those groups. The facts that its solicitation letter uses the word “deserve” and focuses only its members’ parochial goals, but not the long term plight of Social Security and the national debt and the budget deficit are unremarkable. my reaction to its use of the word “deserve” is so what? If I had received the letter, I would have discarded it, along with my other daily junk mail, probably without even opening it.
My answer to your question is that we have not questioned how the money has been spent. Our attitude, as explained to both daughters, is that the money is a gift, which they can use as they see fit. I also explained to one that after we die, we will not know how they spend their inheritances, so we similarly are not concerned during our lives with how they spend the down payments or early installment payments of their inheritances. Fortunately, both are prudent and frugal with money, and we are confident that whatever they use the money for is a sensible expenditure.
Fair question. Roche’s target audience for his book and for his promotional efforts for his book may be the kind of investor who reads HD. Others may need help or may be well-advised to use a three fund approach or just invest in equities by using a total global ETF or fund.
Comments
Thanks, Bogdan, for the clear, excellent post with helpful tips.
Post: Tax Efficiency
Link to comment from April 5, 2026
Jonathan Clements reportedly insisted on the continuation of the up and down arrow system in the past. That was then, and this is now. Down arrows are now unpopular and controversial, so they have been removed on an “experimental” basis. Personally, I view the down arrow controversy as overheated and unimportant. The seemingly endless, heated, occasionally rude comments in response to the Where Are The Ladies? post suggest that the HD site and the HD “community” have more serious issues and divisions than the use and alleged misuse of down arrows.
Post: Let the Arrows Speak for Themselves
Link to comment from March 27, 2026
I agree with Kristine Hayes and normr’s comments.
Post: Where are the ladies?
Link to comment from March 25, 2026
That is a feature, not a bug, in our political system. This, not a problem. Countless groups send petitions to Congress and raise money. That is how the system works, like it or not.
Post: Let me be clear and evidence based about deserving seniors.
Link to comment from February 25, 2026
Seniors, like so many other groups, have become an organized interest group in our political system Organized interest groups advocate for the particular goals of their group. They fund raise to support their advocacy and use overheated and melodramatic language to solicit funds The Senior Citizens League, which I have never heard of, is one of those groups. The facts that its solicitation letter uses the word “deserve” and focuses only its members’ parochial goals, but not the long term plight of Social Security and the national debt and the budget deficit are unremarkable. my reaction to its use of the word “deserve” is so what? If I had received the letter, I would have discarded it, along with my other daily junk mail, probably without even opening it.
Post: Let me be clear and evidence based about deserving seniors.
Link to comment from February 25, 2026
🇺🇸
Post: Sell America
Link to comment from February 14, 2026
My answer to your question is that we have not questioned how the money has been spent. Our attitude, as explained to both daughters, is that the money is a gift, which they can use as they see fit. I also explained to one that after we die, we will not know how they spend their inheritances, so we similarly are not concerned during our lives with how they spend the down payments or early installment payments of their inheritances. Fortunately, both are prudent and frugal with money, and we are confident that whatever they use the money for is a sensible expenditure.
Post: Helping Adult Children
Link to comment from February 8, 2026
That is what we do and for the same reason.
Post: Helping Adult Children
Link to comment from February 8, 2026
Fair question. Roche’s target audience for his book and for his promotional efforts for his book may be the kind of investor who reads HD. Others may need help or may be well-advised to use a three fund approach or just invest in equities by using a total global ETF or fund.
Post: Perfect Portfolio
Link to comment from February 7, 2026
Thanks, Adam. Excellent interview.
Post: Perfect Portfolio
Link to comment from February 7, 2026