Be sure to grant your AI full and complete access to all your backups (so it can optimize them for you. /s

The first time I saw this was about 11:30 pm on TV.

I laughed so hard and long, my partner ran upstairs to see if it was having a seizure!

Sir, the Scots would like a word with you - in private.

Patient: Doctor, it hurts when I move my arm this way.

Doctor: Well, don’t move your arm that way then.

Absolutely, everyone should do themselves.

5 years is the minimum time frame I’ve heard for stock market investments; YMMV.

With all due respect, what you did was not investing; it was closer to speculating. If your time horizon is less than 5 years, what you should look at is a savings account/certificate of deposit, not the stock market.

I had a mutual fund once (the Putnam Health Sciences Trust) that went down three or four years in a row (probably about 30-35% total). The same financial advisors who recommend I buy it advised that I sell it for the last two years I owned it. I didn’t take their advice and held on to it - the next year it had about a 75% increase. I would have missed that and locked in my losses if I had listen to them.

I fully agree it’s not a complete stock market model, but I don’t think It claims to be.

I don’t remember it addressing what happened to dividends paid; are they just banked, reinvested, etc.

Might want to check this out: Beat The Couch.

I know an ~32 that is about 2 courses away from getting their BA in Fine Arts in music. They just stopped there. Haven’t used any of that study since.

I find that a terribly sad perspective - while children are certainly expensive from an economic standpoint, they often have tremendous payback in other ways (and sometimes economically too).

The people already in power.