smile I take it you're collecting some fees. No worries. I gave no advice other than educate yourself.

You're saying find an expert and pay them.

To each his own. I'm done paying fees to manage what I can do myself.

Rather than taking offense, tell these guys where what I pointed out was wrong. Were the numbers wrong? There is no shortage of information to support what I said.

Is Bogle wrong? Is he not an expert?

I'm all ears and I'm serious about that.


Character is not developed in moments of temptation and trial. That is when it is intended to be used.