All I can say is that I am not on meds.
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- Tue Mar 19, 2024 6:46 am
- Forum: Personal Consumer Issues
- Topic: Garmin Watches: do you wear it at night? if not, does it affect stats?
- Replies: 33
- Views: 2433
- Tue Mar 19, 2024 5:39 am
- Forum: Personal Consumer Issues
- Topic: Buying an Expensive Car
- Replies: 89
- Views: 6898
Re: Buying an Expensive Car
Go ahead and buy the car of your dreams. Bogleheads.org needs to have future posts of regret from people who spent too much on a car. And Bogleheads.org needs to have future posts of joy from people who spent too much on a car. Think about the future of the Forum!
Added: When your next car is totaled please let us know if you are able. Thanks!
- Mon Mar 18, 2024 7:56 pm
- Forum: Personal Investments
- Topic: Vanguard Index Funds
- Replies: 16
- Views: 3722
Re: Vanguard Index Funds
Yes, of course they do because those funds would not exist if people did not invest in them. In particular Fidelity is the custodian/sponsor of many 401(k) plans and Fidelity index funds are available in many of the those plans.
But maybe you were trying to ask a different question?
- Mon Mar 18, 2024 6:49 pm
- Forum: Personal Consumer Issues
- Topic: Lawn care for first time home buyer
- Replies: 35
- Views: 1801
Re: Lawn care for first time home buyer
A broom works better for me than a blower.
- Mon Mar 18, 2024 5:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Has the 401k been a net positive or negative?
- Replies: 21
- Views: 1153
Re: Has the 401k been a net positive or negative?
Not as many employees had access to a pension plan as many believe. Basically its a myth.
Statistics:
https://www.dol.gov/sites/dolgov/files/ ... graphs.pdf
and
https://www.bls.gov/opub/mlr/2006/03/art4full.pdf (What do YOU think of Chart 1 and Chart 2??)
So I agree with nisiprius
- Mon Mar 18, 2024 3:54 pm
- Forum: Investing - Theory, News & General
- Topic: Which industry will benefit from new real estate commission fee structure?
- Replies: 55
- Views: 4270
Re: Which industry will benefit from new real estate commission fee structure?
Any unemployment services company.
- Mon Mar 18, 2024 2:53 pm
- Forum: Personal Consumer Issues
- Topic: Lawn care for first time home buyer
- Replies: 35
- Views: 1801
Re: Lawn care for first time home buyer
I lend my gas-powered mower to my neighbor. I don't have to do any of the things you mentioned because he always returns it full of gas.
The battery charger for his trimmer failed and ruined the battery, too. I only mention that because battery-powered equipment could fail and have its own problems.
- Mon Mar 18, 2024 1:41 pm
- Forum: Personal Consumer Issues
- Topic: Garmin Watches: do you wear it at night? if not, does it affect stats?
- Replies: 33
- Views: 2433
Re: Garmin Watches: do you wear it at night? if not, does it affect stats?
I'm getting a new Forerunner 265. Did some research and it sounds like many of the "health" features like training readiness, performance predictions, VO2 Max, etc. basically require you to wear the watch at night so it can gather data on sleep quality, etc. I wear my small Garmin watch most nights starting a few years ago. I don't think wearing the watch at night gives me any useful info about training readiness nor V02 max nor performance predictions. It does tell me about my sleep, but I can figure out my sleep easily. For instance, when I dream and sort of remember dreaming, then I know I have slept really well. The watch shows many hours of what it labels "REM" sleep. It does give resting heart rate, but if one lay...
- Mon Mar 18, 2024 1:19 pm
- Forum: Personal Consumer Issues
- Topic: Lawn care for first time home buyer
- Replies: 35
- Views: 1801
Re: Lawn care for first time home buyer
I highly recommend that you talk yo your new neighbors and ask them what they do and what they don't do with their yards. I suspect that they will have the same climate, grass, and lawn plantings that you will have, They should be able to tell you better what might be helpful to you than almost everybody on the internet. Be sure to talk to the neighbors that have a result that appeals to you. Talking to your neighbors is good citizenship, too. They may even let you borrow some equipment while you decide what you need and don't need.
- Mon Mar 18, 2024 11:40 am
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2851
- Views: 225933
Re: Bird watchers – what birds are you seeing?
Around Katahdin saw bald eagle, Canada jay, pine siskin (heard), hooded mergansers, Canada geese, chickadees, tufted titmouse, juncos, mourning dove. I think these are year-round birds for this area.
- Fri Mar 08, 2024 10:38 am
- Forum: Investing - Theory, News & General
- Topic: Margin Accounts - Avoiding 'Payment In Lieu Of Dividends'
- Replies: 34
- Views: 3184
Re: Margin Accounts - Avoiding 'Payment In Lieu Of Dividends'
In my 3 decades of having a margin account, I have never received 'Payment in Lieu of Dividends." I have owned stocks, ETFs, but not mutual funds in this account. Brokerage: TDAmeritrade.
- Fri Mar 08, 2024 9:47 am
- Forum: Personal Finance (Not Investing)
- Topic: First bonus, taxed at almost 50%!
- Replies: 55
- Views: 3288
Re: First bonus, taxed at almost 50%!
Generally employers are very good at preventing employees from exceeding legal contributions limits because it is a PITA for the payroll folks to fix it, so they try to stop it from happening in the first place without your help.
- Fri Mar 08, 2024 9:44 am
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 2851
- Views: 225933
Re: Bird watchers – what birds are you seeing?
Just an update on those mallards that I posted a pic of last June. They have stayed at the pond and they are both females:
- Fri Mar 08, 2024 9:35 am
- Forum: Investing - Theory, News & General
- Topic: William Bernstein On the Financial Industry
- Replies: 81
- Views: 9791
Re: William Bernstein On the Financial Industry
Or become one of the "piranhas."
- Fri Mar 08, 2024 9:30 am
- Forum: Personal Finance (Not Investing)
- Topic: First bonus, taxed at almost 50%!
- Replies: 55
- Views: 3288
Re: First bonus, taxed at almost 50%!
Questions for the OP: For 2024, will this bonus help you contribute the maximum legally allowed amount to your 401(k)? Will you get the employer match? Do you know what a "True up" is when it comes to employer match? Will you be affected if you reach the maximum 401(k) contribution before your last paycheck of the year? For instance, if you reach the maximum contribution in August, then your September through December paychecks will not have any 401(k) contributions made for you.
- Fri Mar 08, 2024 9:08 am
- Forum: Personal Investments
- Topic: Inherited IRA strategies
- Replies: 6
- Views: 617
Re: Inherited IRA strategies
When you take money out of the inherited IRA what do you do with it? Do you invest it or spend it? Or do you mostly invest it and spend some of it?
If you use it to pay expenses, then you can do other things with the money you used to use to pay expenses. For instance, withdraw $50,000 from inherited IRA and donate $50,000 worth of shares with unrealized long-term capital gains to your DAF. Use the $50,000 from the inherited IRA to buy the same kind of shares you donated or not.
If you use it to pay expenses, then you can do other things with the money you used to use to pay expenses. For instance, withdraw $50,000 from inherited IRA and donate $50,000 worth of shares with unrealized long-term capital gains to your DAF. Use the $50,000 from the inherited IRA to buy the same kind of shares you donated or not.
- Fri Mar 08, 2024 9:04 am
- Forum: Personal Investments
- Topic: Roth Conversion better in market downturn?
- Replies: 20
- Views: 1802
Re: Roth Conversion better in market downturn?
Hypothetically is it advantageous to lose money in a Roth IRA instead of in a traditional IRA?
- Fri Mar 08, 2024 9:00 am
- Forum: Personal Finance (Not Investing)
- Topic: First bonus, taxed at almost 50%!
- Replies: 55
- Views: 3288
Re: First bonus, taxed at almost 50%!
I guess the OP did not even look at what used to be called a "pay stub" or even online at their "pay statement." Every dollar and cent that is removed from the gross amount is described and subtracted to yield the net amount.
I think it is imperative that every person who gets a paycheck read AND understand their pay statements. After all, employers make mistakes. That's where "understand" comes into play. Often an employer has a document "Understanding your Pay Statement", too.
I think it is imperative that every person who gets a paycheck read AND understand their pay statements. After all, employers make mistakes. That's where "understand" comes into play. Often an employer has a document "Understanding your Pay Statement", too.
- Thu Mar 07, 2024 2:37 pm
- Forum: Personal Investments
- Topic: Seeking improvement in non 401k retirement portfolio
- Replies: 30
- Views: 2766
Re: Seeking improvement in non 401k retirement portfolio
Yes, VTI in your Roth 401(k). A bond fund in your traditional 401(k). In taxable VTI is fine. I don't know what VTO is. I think others have suggested that you might think about the possibility of a wash sale by the interaction of VTI in both taxable and 401(k), but I am able to avoid such possibility by knowledge, so I assume that everyone else can as well.
- Thu Mar 07, 2024 2:33 pm
- Forum: Investing - Theory, News & General
- Topic: Argument against people that say stock market is rigged, so don’t invest in it
- Replies: 80
- Views: 5454
Re: Argument against people that say stock market is rigged, so don’t invest in it
I would not change the subject. I would probably say something like, "It doesn't bother me that you feel that way. I've made millions of dollars in the stock market, so if anything I think it is rigged in my favor." Best to just change the subject, let's pretend you "win" this argument, and now he decides to invest money into the stock market. Inevitably, stocks fall briefly by some value, he sells, and this loss he suffered is forever your fault in future conversations If that happened I would tell him "Well, remember what I told you: I said 'I think it is rigged in my favor.' I didn't say it was rigged in your favor." There are absolutely no reasons why I would be bothered at all by any losses he suffered -- ...
- Thu Mar 07, 2024 12:04 pm
- Forum: Personal Investments
- Topic: Does holding separate index funds promote market timing?
- Replies: 24
- Views: 1297
Re: Does holding separate index funds promote market timing?
The above statement and link spreads a joke (falsehood) that was debunked. That's another way of saying you are spreading fake news by including this statement in your post and it takes away from an otherwise good comment. See also: viewtopic.php?p=5448554#p5448554Therapist Investor wrote: ↑Thu Mar 07, 2024 9:44 am[...] We’ve long known that dead people and people who forgot about their investment accounts are the most successful investors because they don’t make any investing decisions: viewtopic.php?t=167234
- Thu Mar 07, 2024 7:39 am
- Forum: Personal Finance (Not Investing)
- Topic: How do you deal with online misinformation?
- Replies: 28
- Views: 1740
Re: How do you deal with online misinformation?
If someone tells me about something that is wrong, then I am happy to point out to their face what is wrong with what they told me.
- Thu Mar 07, 2024 7:26 am
- Forum: Personal Consumer Issues
- Topic: Need to buy a car: Outback or CRV?
- Replies: 55
- Views: 6406
Re: Need to buy a car: Outback or CRV?
2021 Honda CR-V EX Hybrid purchased in May 2021 for $31,249 OTDTheOscarGuy wrote: ↑Thu Mar 07, 2024 7:10 amWhich CRV does your wife have -- redesigned one, or earlier?
- Thu Mar 07, 2024 7:19 am
- Forum: Investing - Theory, News & General
- Topic: Lower networth meetings with Fidelity/Schwab/Vanguard
- Replies: 8
- Views: 1353
Re: Lower networth meetings with Fidelity/Schwab/Vanguard
My thoughts that the meetings will not be helpful or at least less helpful than educating oneself. I would consider such initial meetings to be like going into a restaurant that one has never been in.
"Have you been here before? Have you seen our menu? What would you like?"
"What do you have? What's good here?"
"Oh, most people start with our 1.5% managed account which we think is a real bargain. We provide you with our most popular funds. That's probably the best way to go."
"Have you been here before? Have you seen our menu? What would you like?"
"What do you have? What's good here?"
"Oh, most people start with our 1.5% managed account which we think is a real bargain. We provide you with our most popular funds. That's probably the best way to go."
- Wed Mar 06, 2024 1:41 pm
- Forum: Personal Investments
- Topic: Why Doesn't My ETF Show Up in My Roth IRA?
- Replies: 43
- Views: 2764
Re: Why Doesn't My ETF Show Up in My Roth IRA?
You have a settlement fund for your Roth IRA and a separate settlement fund for each of your other account types. Which of your settlement funds "have cash in my settlement fund"?
If the cash is in your taxable brokerage account, then it has not been contributed to your Roth IRA yet. FIRST contribute to your Roth IRA settlement fund. A VGT purchase is not a Roth contribution.
After making the contribution, then make the purchase of VGT.
- Wed Mar 06, 2024 7:42 am
- Forum: Personal Investments
- Topic: How to Get Roth IRA Out of Wells Fargo Advisors
- Replies: 19
- Views: 1964
- Wed Mar 06, 2024 7:40 am
- Forum: Investing - Theory, News & General
- Topic: TIAA Trad vs bonds in 2023
- Replies: 14
- Views: 2302
Re: TIAA Trad vs bonds in 2023
A single day drop in a bond fund of 0.5% or more.
- Tue Mar 05, 2024 7:33 pm
- Forum: Personal Investments
- Topic: Should I Reduce $258k Capital Loss Carryforward?
- Replies: 18
- Views: 2185
Re: Should I Reduce $258k Capital Loss Carryforward?
Are you working? Or are you living off your portfolio?
We used our carryover losses to live off our taxable portfolio and pay no capital gains taxes. That way we could use the standard or itemized deduction to offset Roth conversions. Of course, with a decent size taxable portfolio one get a lot of dividends that cannot be avoided.
We used our carryover losses to live off our taxable portfolio and pay no capital gains taxes. That way we could use the standard or itemized deduction to offset Roth conversions. Of course, with a decent size taxable portfolio one get a lot of dividends that cannot be avoided.
- Tue Mar 05, 2024 6:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Financial coach as a side hustle?
- Replies: 22
- Views: 2214
Re: Financial coach as a side hustle?
So it seems that the OP should start YouTube channel with associated blog to establish themselves in this area.
- Tue Mar 05, 2024 6:43 pm
- Forum: Personal Investments
- Topic: VTSAX instead of VTI Question
- Replies: 3
- Views: 595
Re: VTSAX instead of VTI Question
No. The tax burdens should be substantially identical for these two. They will not be exactly identical because if you automatically reinvest dividends paid by these two ticker symbols the reinvestment date(s) will differ by at least one day even though the amounts of the dividends will be the same. Whether VTI or VTSAX will have a tax burden a few cents or a few dollars more than the other one cannot be known ahead of time.
- Tue Mar 05, 2024 6:20 pm
- Forum: Personal Investments
- Topic: Seeking improvement in non 401k retirement portfolio
- Replies: 30
- Views: 2766
Re: Seeking improvement in non 401k retirement portfolio
I will admit I stopped reading carefully when I saw a litany of positions with single digit positions and most even under 5%.
So just start by putting one.single.fund in your Roth 401(k) account. I suggest VTSAX or near equivalent.
Do the same for your taxable brokerage account.
Make your traditional IRA and SIMPLE IRA 100% bond fund of your choice.
Then change your 401(k) contributions to go to the traditiional 401(k) and contribute to bond fund to get to 40% bonds overall in your portfolio.
Then report back and I'll suggest Phase 2.
Of course, what I just wrote may not work for you.
So just start by putting one.single.fund in your Roth 401(k) account. I suggest VTSAX or near equivalent.
Do the same for your taxable brokerage account.
Make your traditional IRA and SIMPLE IRA 100% bond fund of your choice.
Then change your 401(k) contributions to go to the traditiional 401(k) and contribute to bond fund to get to 40% bonds overall in your portfolio.
Then report back and I'll suggest Phase 2.
Of course, what I just wrote may not work for you.
- Tue Mar 05, 2024 6:01 pm
- Forum: Personal Investments
- Topic: Are factors dead?
- Replies: 84
- Views: 10780
Re: Are factors dead?
Factors that help your portfolio performance rotate among themselves. So one can say some factors are dead and some have risen from the grave.
- Tue Mar 05, 2024 4:38 pm
- Forum: Investing - Theory, News & General
- Topic: What if you can't access your money?
- Replies: 45
- Views: 4220
Re: What if you can't access your money?
Maybe practice ahead of time without access to your money for a week or two. Turn off your power and turn off your main water valve as well. How did it go? I have also been through Harvey ... had to cancel an all-expenses paid trip to France. The eye walls of Rita and Ike passed over our house. I was on Long Island when Sandy came ashore and trapped me there. A tornado destroyed my high school and also all the homes directly across the street from ours. In none of the above did we need cash nor did we evacuate. We lost power, but so what? I suppose all this does not mean that a future natural disaster will not require cash. What I think helps is having great neighbors that help each other out in the immediate aftermath, but also friends and...
- Tue Mar 05, 2024 4:15 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard: Reasons for caution about U.S. equity valuations
- Replies: 19
- Views: 2866
Re: Vanguard: Reasons for caution about U.S. equity valuations
I can maintain my 60% allocation to equities even if I sell and buy equity ETFs. For instance, I can sell AVUV and buy MTUM. MTUM almost had an RBD today.
- Tue Mar 05, 2024 8:00 am
- Forum: Personal Consumer Issues
- Topic: What to do?? [Vanguard warning about closing account for calling too frequently]
- Replies: 74
- Views: 6827
Re: What to do??
Hilarious! (And possibly true!)arcticpineapplecorp. wrote: ↑Mon Mar 04, 2024 8:44 pmTim Buckley's last act before being shown the door.
- Tue Mar 05, 2024 7:55 am
- Forum: Personal Finance (Not Investing)
- Topic: Why did I receive 1099-G from Illinois? Do I need to report on federal return?
- Replies: 4
- Views: 359
Re: Why did I receive 1099-G from Illinois? Do I need to report on federal return?
Since you did not deduct the payments on your Federal return, then you do not need to report the income (return of payments) on your federal return. You do not need to do anything about this.
- Tue Mar 05, 2024 7:42 am
- Forum: Investing - Theory, News & General
- Topic: Aggressive savers: Reduce stocks % the closer you are to your target numbers?
- Replies: 32
- Views: 3574
Re: Aggressive savers: Reduce stocks % the closer you are to your target numbers?
OK, then how would fully considering the actual risk change your behavior? We are lucky that we are not living in some places in the Middle East and elseewhere around the world which have turned out way way way worse than 1929 in the USA.Call_Me_Op wrote: ↑Tue Mar 05, 2024 6:56 am I've lived (and invested) through all of those, but the specter of 1929 still remains. I think that when we start thinking that stocks are not really risky - that they must recover over a reasonable time frame - we are not considering the entire spectrum of possibilities - and therefore not fully considering the actual risk.
- Tue Mar 05, 2024 7:39 am
- Forum: Personal Finance (Not Investing)
- Topic: Bank bill pay: takes a week and only sends paper checks?
- Replies: 14
- Views: 1326
Re: Bank bill pay: takes a week and only sends paper checks?
I think it means that you need to switch banks.
- Tue Mar 05, 2024 2:54 am
- Forum: Personal Investments
- Topic: Automatic Contributions for Self-Employed Retirement Accounts?
- Replies: 8
- Views: 752
Re: Automatic Contributions for Self-Employed Retirement Accounts?
I automatically write a check once a year and mail it in to my Schwab 401(k). In essence, it is just another expense to pay.
- Mon Mar 04, 2024 8:41 pm
- Forum: Personal Consumer Issues
- Topic: What to do?? [Vanguard warning about closing account for calling too frequently]
- Replies: 74
- Views: 6827
Re: What to do??
I can imagine that the letter was sent by an annoyed Vanguard person and not actually discussed with other Vanguard employers and not even authorized by anyone higher up in management. Somebody may have gone rogue.
- Mon Mar 04, 2024 7:17 pm
- Forum: Personal Investments
- Topic: 401k rollover deposit to IRA being refused since it bring me over $7,000 yearly limit.
- Replies: 16
- Views: 1954
Re: 401k rollover deposit to IRA being refused since it bring me over $7,000 yearly limit.
Or Vanguard web people implemented the wrong action with the right option.
- Mon Mar 04, 2024 5:59 pm
- Forum: Personal Investments
- Topic: Any particular reason why healthcare funds are performing so bad?
- Replies: 5
- Views: 719
Re: Any particular reason why healthcare funds are performing so bad?
Check the news: Ransomware attack has been all over the place affecting health care delivery.
- Mon Mar 04, 2024 5:46 pm
- Forum: Personal Investments
- Topic: vtsax vs vti
- Replies: 6
- Views: 1180
Re: vtsax vs vti
With VTI: They can rebalance intraday at a known price that they specify. They can take advantage of a Flash Crash.
- Mon Mar 04, 2024 5:42 pm
- Forum: Personal Investments
- Topic: Help in simplifying portfolio
- Replies: 3
- Views: 592
Re: Help in simplifying portfolio
One thing you are missing is that you can give away your VB, not pay any long-term capital gains tax, and get a tax deduction (if you give to charity and can deduct the charitable giving as an itemized expense).
Or give to your friends and family now. They will get your cost basis, so maybe they have carryover losses that they can use when they sell.
Or give to your friends and family now. They will get your cost basis, so maybe they have carryover losses that they can use when they sell.
- Mon Mar 04, 2024 4:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: How to share HR Block tax software with wife
- Replies: 5
- Views: 489
Re: How to share HR Block tax software with wife
Go visit her and take your laptop with HRBlock with you.
Of course there is no rush to do this because you are filing for an extension until October anyways.
Of course there is no rush to do this because you are filing for an extension until October anyways.
- Mon Mar 04, 2024 4:12 pm
- Forum: Personal Investments
- Topic: Estimating dividends/interest in retirement planning
- Replies: 7
- Views: 767
Re: Estimating dividends/interest in retirement planning
I estimate future taxable dividends in a simple way: Current year should provide about the same as previoius year. That's not quite true since we are spending down our taxable account assets which are all equities with zero fixed income including zero savings accounts. I don't care one bit about dividends and interest in our tax-advantaged accounts, so I have actually never tracked it.
- Mon Mar 04, 2024 4:06 pm
- Forum: Investing - Theory, News & General
- Topic: Aggressive savers: Reduce stocks % the closer you are to your target numbers?
- Replies: 32
- Views: 3574
Re: Aggressive savers: Reduce stocks % the closer you are to your target numbers?
Never got below 60% equities. Once one is used to 90%, 80%, 70% equities and has lived through 1987, 2000, 2007-2009, 2016, 2020, (probably some others) then one has learned that losses are nothing.
The other thing is that when equities are down, do you have the guts to shift fixed income money to equities? And when both fixed income and equities are down, do you really have the guts to sell bond funds at a loss to buy equities?
The other thing is that when equities are down, do you have the guts to shift fixed income money to equities? And when both fixed income and equities are down, do you really have the guts to sell bond funds at a loss to buy equities?
- Mon Mar 04, 2024 2:51 pm
- Forum: Investing - Theory, News & General
- Topic: What good is tax deferred?
- Replies: 122
- Views: 15332
Re: What good is tax deferred?
Suppose I put $10 million into a checking account earning 0.00% interest, then I could withdraw $250K over the next 40 years and not even file a tax return.
(I did not do this,)
I don't have expensive tastes. After all, I sleep in a tent for quit a few weeks/months every year.
- Mon Mar 04, 2024 1:23 pm
- Forum: Investing - Theory, News & General
- Topic: What good is tax deferred?
- Replies: 122
- Views: 15332
Re: What good is tax deferred?
During accumulation our tax bracket was as high as 33%. During decumulation we haven't gotten above 12%. 33% - 12% = 21%. Put that in your pipe and smoke it. I really need to understand how you did it. What was your asset allocation like in during accumulation - in the tax deferred accounts? And did you contribute at the maximum allowable limits? What's to understand? See this post from 2011: https://www.bogleheads.org/forum/viewtopic.php?t=79510 During accumulation: 2 income family with income below $250K could be 33% marginal back in 2016 I think. Maybe higher earlier. Generally, had equities in taxable and almost never bonds. Tax-deferred had everything. Roths not invented or not allowed. Always contributed the maximum limits and then e...
- Mon Mar 04, 2024 10:08 am
- Forum: Personal Investments
- Topic: How big (if at all) of a mistake would it be for me to go VT instead of VTI/VXUS in taxable?
- Replies: 67
- Views: 5536
Re: Strongly regretting my decision to separate into VTI/VXUS in taxable account instead of VT, unsure how to best proce
This whole thing looks like a medical question then because it is all between your two ears.VartAndelay wrote: ↑Mon Mar 04, 2024 10:03 am[...]
Now I know people might say I'm making a big deal out of nothing and that the exact percentages don't really matter as long as it's close enough. But this is not really a satisfactory response to me.
[...]
Also I don't think there is any suggestion that anybody can give for what ails you.