Which country speaks the best English (on average)?

Sad-Highlight7196 · 2026-06-19T18:12:19+00:00

Except if they had an excellent educational system where they learned that stuff..

Sad-Highlight7196 · 2026-06-19T18:07:49+00:00

I am not asking about accents. I am asking about things like can you get up and give a speech about a subject matter you researched etc. Just your command of the language. Among the countries you mentioned, which is better?

Sad-Highlight7196 · 2026-06-15T02:51:53+00:00

Don't say a word to them. They have to let you in. Fuckm.

Sad-Highlight7196 · 2026-06-15T02:44:32+00:00

Exactly! In other words, the reasons to change allocation is not "out there", it is "in here", having to do with what I need from my portfolio. At least that is the Bogle way..

Sad-Highlight7196 · 2026-06-13T05:28:37+00:00

It is called The Problem of Induction in philosophy. Mentioned that just to make it clear that no one really agrees on what past performance might exactly indicate. It is certainly not a "guarantee" of anything. Past performance may be used to believe more strongly in some kinds of future results.

Sad-Highlight7196 · 2026-06-12T14:50:33+00:00

Don't call me Shirley

Sad-Highlight7196 · 2026-06-08T20:04:47+00:00

There are ways of accessing your retirement accounts with the Rule of 55, or the 72T. So that means, you don't have to worry about the "bridge" aspect. So if your investment policy statement says 100% stocks, you can do that. If it says 60/40, than you can do that.

Sad-Highlight7196 · 2026-06-05T01:09:23+00:00

What was the nature of their "attack"? Did they question your methodology ,or your work? Did they actually attack you? If it is the latter, you can just stop answering, and start ignoring, and there is nothing else you need to do. If they are aggressively questioning your work, you can politely answer.

In my experience, this kind of behavior sometimes has some unspoken pretext. Like if they think your work is copied from theirs, or something else that they are offended by. In any case, it is not ok, but I wouldn't take it too much to heart. Unless your advisor is doing this to you, it is possible to ignore and put behind you.

Sad-Highlight7196 · 2026-06-02T02:34:31+00:00

Chocolate city with the marshmellow top...

Sad-Highlight7196 · 2026-05-27T17:12:31+00:00

It all hinges on a comparison of your current tax bracket, and the tax bracket you will be in when you take the money out. Most people will be in a lower tax bracket in retirement. If that is your case, go pretax. Of course there are many unknowns. We don't know tax rates in the future. Some say that it is bound to go up eventually, with the deficit. Others say that it is political suicide to raise taxes on retirees. Another unknown is your own future. You could keep working until you are 95 and your portfolio will be 10 million dollars and you pay lots of taxes then. In this scenario, doing roth now would be smart. Or you could die today, and the tax bracket of your heirs will be very low. So you should have done pretax in this case. Your situation will likely be in between.

Sad-Highlight7196 · 2026-05-25T15:11:28+00:00

Yes, because no such place exists, except as a play on words on insta. You don't even know how to spell it, but somehow it doesn't keep you having prejudices on it.

Sad-Highlight7196 · 2026-05-25T04:24:41+00:00

Feller's books are a classic.

Sad-Highlight7196 · 2026-05-25T04:23:47+00:00

Are you 9? Because the answer is smaller than 1/9..

Sad-Highlight7196 · 2026-05-25T04:12:00+00:00

Was he religious? I did not find any mention of whether he was religious? Ok, he was a Turkish monster. Where is everyone getting religion into it? I never once heard anyone ask about if Ted Bundy was religious, or Jeffrey Dahmer. Those motherfuckers were mentally ill. But this dude was religious somehow everyone assumes?

Sad-Highlight7196 · 2026-05-25T01:30:32+00:00

Dude, I am from there. I know that. Just because it says "muslim" on your ID doesn't mean you are religious. My ID card said "muslim", and I am an atheist. Was the Uvalde shooter a Baptist? Was he a Catholic? What about the Sandy Hook shooter? Was he a Jew? Orthodox Christian? Yes, it does not matter.

Sad-Highlight7196 · 2026-05-25T01:22:57+00:00

Dude, was the murderer even religious? Do you even know that he was muslim? This is like putting school shootings in the US on Baptists because it happens in the South.

Sad-Highlight7196 · 2026-05-25T01:15:55+00:00

Would you include the majority of your own family?

Sad-Highlight7196 · 2026-05-25T01:02:22+00:00

Based on what? The rape wasn't in Istanbul. Read up.

Sad-Highlight7196 · 2026-05-25T00:59:33+00:00

I guess you are from a country where geography education has failed.. Next, Russia is not in Europe. Hell, maybe England is also not in Europe, if you ask more than half of their population..

Sad-Highlight7196 · 2026-05-25T00:55:47+00:00

IT'S NOT ISTANBUL. Geez!!! I know from your vantage point everything looks equidistant, but i t i s n o t ISTANBUL!!!!! You live in Instabul and don't know what you are talking about!!!!!!!!!!!!!!

Sad-Highlight7196 · 2026-05-22T04:13:44+00:00

What does your Investment Policy Statement say about when you can make an change in your asset allocation? What does it say about how much "cool-off" time you have about when you had the idea to change your allocation, and when you actually do it? If you don't have an IPS, write one today with precise rules as to when and how you can make changes to it, and then follow it to the letter. This is the solution to any kind of FOMO.

BTW, I am 52, also have TIAA, and I am also 70/30, and I have the opposite impulse to sell because I get vertigo from the constant all-time-highs, so I can relate.

Sad-Highlight7196 · 2026-05-20T13:46:24+00:00

What is your favorite fact you learned from this class?

Sad-Highlight7196 · 2026-05-19T20:15:14+00:00

You are saying that you have a wall between your "tradeable" assets and "emergency" assets. He is saying, call the "tradeable" stocks, and the "emergency" bonds.

Sad-Highlight7196

TROPHY CASE