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I have really enjoyed HD for many years as a reader and sometimes commenter and of course I have immense admiration for Jonathan and his lifetime of work. For me it’s one of two places on the web with great content and commentary and in general the writers and contributors are fantastic. Recently there has been a trend where first one, then a second, forum contributor have started posting multiple Forum pieces a week which is atypical in HD history if I am not mistaken. I have started doing something here as a reader I have never done-scroll by the article based on the author. It seems like these folks are using HD Forum more like social media than a Forum is typically used. Not sure what the solution could be such as a suggest to limit posts to two per week for example or perhaps some direct discussion but I have to say it does feel like a bit of a takeover. In any case, HD is a still a blessing and thanks for creating it.
Add a topic bullet for Bitcoin. Start posting objective articles on Bitcoin. Please explain the difference between Bitcoin and other cryptocurrencies because there are REAL and SIGNIFICANT design differences that everyone needs to understand and appreciate. Humble Dollar is an excellent resource for investors, but your content on this new asset (Bitcoin) is lacking.
Bitcoin, and every other so-called cryptocurrency, are digital lottery tickets which have no intrinsic value (other than what the next “greater fool” will pay). They generate no income. Gamble, if it pleases you, but don’t confuse Bitcoin and the rest with investing.
I just received this cry of despair from a good friend, so I wrote him the following that I’d love to share with you all.
Banish your hate; it’s really bad for the soul. Keep your reading about this awful business to just headlines: < 15 min/day. Write your congresspersons, and where appropriate tell them: “Please pluck up your courage and do the Right Things!!!; you know what they are, but seem to have forgotten them.” Congregate with and talk with friends about other things. Pick some activities and projects you’ve been putting off for years and get busy with them; focus on the ones that help others. Tip everyone for real or imagined services. Go where there are children playing and sit and watch them. Don’t take tranquilizers. If you are exhausted, take a nap without setting the alarm. Do the Bee 🐝 and Connections puzzles in the NYTs every day- right after you’ve read the headlines. [settle for “Genius”, and don’t try for Queen Bee- the perfect is the enemy of the good]. Hold hands. Take a walk with the dogs, and keep one 🐶 in your lap the rest of the time. If you have a cat, give it a slow tummy-rub at bedtime; wonderful for both cat and you. Take time in the mountains of Mexico to find and lose yourself. Cook yourself your favorite foods. Get in bed with with your partner more frequently. Be kind, first and foremost to yourself. And finally, take a long luxury trip to Japan with good friends………
I’ve been following all this advice myself, except I’m going to France instead of Japan. ✌🏼 😆 🤣 🤩 🤡 👍🏼 👏🏼
Today is not the end of either hope or history…..nor is tomorrow.
ROBERT H. DAILEY. MD
Cuernavaca, Morelos, Mexico.
email: rd74027@gmail.com
Jonathan, Thank you for so graciously sharing your life experience and financial expertise in “No Retirement for Me.” Wishing you the best.
Hello Jonathan, I’ve spent several hours going over the website. Thank you for signing me up. I’m at the age I have neglected a lot of this planning. But now I’m at another stage in life.I see you have given a lot of common sense advice here for people on the road of life. Now as you are reaching the end of your journey you are chronicling events and reminiscing with sharing. I see others here doing the same. One thing I am having trouble finding an answer to and I assume you have addressed it in your life.
I am handling the retirement investments and my wife is handling the daily home finances. There is going to come a time I will not want to or cannot handle our asset management. My wife is completely ignorant of how to handle our investments and if it should fall on her, she would be a deer in the headlights.
I’m not even sure I am doing a proper job. But the accounts have grown and have been able to cover her withdrawals which are at about 3% of the total. She is 2-1/2 years away from having to start RMD’s
Where on your website do you cover advice about having your assets managed? I fear a downturn in the market and want someone who plans for that.