Search found 768 matches

by digarei
Tue Sep 11, 2018 11:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 103
Views: 27701

Sacramento, CA Area Chapter - Waz Up?

Short Notice We have a meeting coming up... this Saturday, Sept 15 For more informantion, see the last two posts or the text below. To attend, email the contact info requested on the first post to: Sacramento.Bogleheads@gmail.com ▫️ ◽️ ◻️ Charting the Future by Controlling Cash Flow Bruce B. will p...
by digarei
Tue Aug 28, 2018 3:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento Area Bogleheads - FAQs
Replies: 2
Views: 2045

Sacramento Area Bogleheads - Blogs & Podcasts

• • • • • • • • • S a c r a m e n t o A r e a B o g l e h e a d s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . • • • • • • • • • • • W E L C O M E SABH Mbr Ctr 400 77DQOgm http://I.imgur.com/77DQOgm.jpg •...
by digarei
Tue Aug 28, 2018 5:59 am
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 103
Views: 27701

not this month ... next month ... S A B H mtg notice

... sacramento area bogleheads meets on second saturday every month in sacramento sacramento area bogleheads meets on second saturday every month in sacramento sacramento area bogleheads meets on second saturday every month in sacramento sacramento area bogleheads meets on second saturday every mon...
by digarei
Sun Aug 19, 2018 11:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 103
Views: 27701

Re: Sacramento, CA Area Chapter - Master Thread

. ... This thread has been updated with information about Sacramento Area Bogleheads' next meeting in the month of September 2018 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Read the first post...
by digarei
Thu Aug 09, 2018 2:39 am
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 103
Views: 27701

Sacramento Bogleheads’ 40th Meeting

. ... REMINDER The next meeting of Sacramento Area Bogleheads is upon us! ... Saturday, August 11, 2018 @ 10:30am . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Meeting agenda: see below. ....... Af...
by digarei
Sat Aug 04, 2018 9:32 am
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 103
Views: 27701

Re: Sacramento ~ August 11

... 1 . W E E K . from today the members of Sacramento Area Bogleheads will be meeting in midtown. For details, please see the first post in this thread. The agenda topics are shown, below. We meet to discuss all aspects of personal finance and investing each month on Second Saturday. Reservations ...
by digarei
Mon Jul 23, 2018 5:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 103
Views: 27701

Aug & Sept @ Sacramento Area Bogleheads

. ... COMING SOON ~ 2018 - - - - - August 11, 2018 David B. will review John Rekenthaler’s Morningstar article exploring the relative importance of diversification, asset allocation and rebalancing. September 15, 2018 Bruce B. will present an updated version of his ‘Cash Flow’ spreadsheet, a multi-...
by digarei
Fri Jul 13, 2018 12:32 am
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 103
Views: 27701

Re: Sacramento, CA Area Chapter - Master Thread

. ... REMINDER The next meeting of Sacramento Area Bogleheads is upon us! ... Saturday, July 14, 2018 @ 10:30am . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Location: .. [ air conditioned ] Ambien...
by digarei
Sat Jul 07, 2018 7:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: First Post [New to forum, using two-fund portfolio]
Replies: 17
Views: 1332

Re: First Post [New to forum, using two-fund portfolio]

The enemy of a good plan is the search for the perfect plan. You could do much worse. A couple of similar quotes: “We lose perspective on the quality of our creations the moment we create them. And the more we pore back over them in pursuit of a fresh perspective, the farther it moves away from us....
by digarei
Sat Jul 07, 2018 6:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 103
Views: 27701

Sacramento ~ July 14

... 1 . W E E K . from today the members of Sacramento Area Bogleheads will be meeting in midtown. For details, please see the first post in this thread—or the agenda, below. We meet to discuss all aspects of personal finance and investing each month on Second Saturday. Reservations are being accep...
by digarei
Fri Jul 06, 2018 9:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: First Post [New to forum, using two-fund portfolio]
Replies: 17
Views: 1332

Re: First Post

Could I realistically keep this for life? That is my plan anyway. Good plan. You could even rebalance between the two if desired. A little more Wellington for more stock. A little more Balanced Fund for more fixed income. I like to have more in international stock but if you’re a good saver, that w...
by digarei
Thu Jul 05, 2018 10:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 103
Views: 27701

Sacramento - July 14

. ... This thread has been updated with information about Sacramento Area Bogleheads' next meeting for the month of July 2018 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Read the first post for...
by digarei
Tue Jun 12, 2018 10:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Kansas City Diehard Group
Replies: 36
Views: 12118

Re: Kansas City Diehard Group

How did the March meeting go? I live in Manhattan, KS and just curious Yes, others of us are also interested in the outcome of the March meeting. When is the next meeting scheduled? I’m planning a trip to KC soon and would like to coordinate my time there with your next meeting. Thanks! Fellow KC B...
by digarei
Mon Jun 11, 2018 7:59 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Makes Factors Endure
Replies: 60
Views: 4428

Re: Larry Swedroe: What Makes Factors Endure

“I believe that smart beta is stupid.” Jack is always good for a pithy quote! He has elaborated on this topic in the past but I like the longer explanation given by former Vanguard Chief Investment Officer Gus Sauter , who rather handily deconstructs Smart Beta in this 2016 presentation: Gus Sauter...
by digarei
Sun May 27, 2018 11:58 am
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 103
Views: 27701

Re: Sacramento, CA Area Chapter - Master Thread

. ... This thread has been updated with information about Sacramento Area Bogleheads' next meeting in the month of June 2018 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Read the first post for ...
by digarei
Sat May 05, 2018 6:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 103
Views: 27701

May 12

S a c r a m e n t o A r e a B o g l e h e a d s ------------------------------------------------------ Sacramento Bogleheads - Local Chapter #61 Attention: SABH Members If you haven't already replied to the RSVP request and hope to attend the May 12 meeting this coming Saturday, please do so as soo...
by digarei
Mon Apr 30, 2018 3:26 am
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 103
Views: 27701

Re: Sacramento, CA Area Chapter - Master Thread

. ... This thread has been updated with additional information about Sacramento Area Bogleheads' next meeting in the month of May 2018 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Read the first...
by digarei
Wed Apr 25, 2018 12:40 am
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 103
Views: 27701

May 2018

. ... This thread has been updated with information about Sacramento Area Bogleheads' next meeting in the month of May 2018 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Read the first post for m...
by digarei
Sat Apr 14, 2018 6:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Improving Local Boglehead Chapter Meetings
Replies: 19
Views: 2587

Re: Improving Local Boglehead Chapter Meetings

Greg (digarei), Thanks for all the details for your group. A lot of ideas to consider. We're still relatively new and haven't really experimented with other (non-Q&A) meeting formats yet, but it's worth thinking about. Meetup.com initially cost $29 for 6 months and the next 6 month renewal will be ...
by digarei
Fri Apr 13, 2018 11:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Improving Local Boglehead Chapter Meetings
Replies: 19
Views: 2587

Re: Improving Local Boglehead Chapter Meetings

Thanks for sharing this success story with everyone. Perhaps this thread can serve as a place where other Local Chapter Coordinators and members can offer their ideas about what has and hasn't worked for them. Sounds good to me. This will be boring. Moreover, I don’t have a concise list of do’s and...
by digarei
Fri Apr 13, 2018 9:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Improving Local Boglehead Chapter Meetings
Replies: 19
Views: 2587

Re: Improving Local Boglehead Chapter Meetings

We have tried to assess what specifically drives attendance. We do not have a definitive answer. We do know there is a strong preference for a mix of presentations and breakout groups and for library settings versus restaurant settings. Thank you for this. What you’ve asserted from your involvement...
by digarei
Fri Apr 13, 2018 9:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Improving Local Boglehead Chapter Meetings
Replies: 19
Views: 2587

Re: Improving Local Boglehead Chapter Meetings

Hello, I just wanted to share a few thoughts regarding the subject as our meetings have shown some improvement in recent months. Our Columbus, Ohio chapter was created last September (2017). We meet monthly (2d Sunday from 2-4pm) at a centrally located library meeting room. Our first meeting had 7 ...
by digarei
Sun Apr 08, 2018 1:11 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 14329

Re: What is your AA, given your age? and, Why?nab

Folks, 1. Without quantifying your need/ability/willing to take risk and/or goals, what is your AA (Stock:Bond), given your age? and why? Well, I try not to give my age... I had a portfolio AA of 100% equities for about 10 years (when they weren’t producing), then added bonds a few years before FI ...
by digarei
Sat Apr 07, 2018 2:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 103
Views: 27701

Re: Sacramento, CA Area Chapter - Master Thread

. Sacramento Area Bogleheads' 3rd Anniversary ... This thread has been updated with essential information about Sacramento Area Bogleheads' next meeting on Apr 14. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ....
by digarei
Wed Apr 04, 2018 6:02 am
Forum: Local Chapters and Bogleheads Community
Topic: Prescient Decisions & Gut Reactions
Replies: 0
Views: 1047

Prescient Decisions & Gut Reactions

Sacramento Area Bogleheads Meeting Summary, April 14, 2018 • • • Prescient Decisions & Gut Reactions A skimpy introduction to two brains, and what it could mean for anyone who believes that rational thoughts determine their investing decisions. Background for presentation entitled, “How we are Prog...
by digarei
Mon Apr 02, 2018 12:21 am
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 98
Views: 29811

Re: South Bay Bogleheads: April 2018

South Bay Bogleheads will meet next on Thursday, April 19th, from 7pm - 9pm, at Merrill Gardens Campbell (near downtown Campbell). The address is 2115 Winchester Blvd in Campbell. This will be a new venue for us and we’re enthused about its possibilities. The working title for the meeting is “Prepa...
by digarei
Fri Mar 23, 2018 3:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 103
Views: 27701

Re: Sacramento, CA Area Chapter - Master Thread

. Sacramento Area Bogleheads' 3rd Anniversary ... This thread has been updated with essential information about Sacramento Area Bogleheads' next meeting on Apr 14. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ....
by digarei
Mon Mar 12, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE UPDATE 9-3-18
Replies: 114
Views: 28134

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

Our chapter has been considering the viability of a west coast regional conference for a couple of years now. This will be a topic at our next leadership meeting. There are a number of chapters in the West that appear to be growing in size and could provide a base for a large gathering. I’d be inte...
by digarei
Sun Mar 11, 2018 10:36 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE UPDATE 9-3-18
Replies: 114
Views: 28134

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

Our chapter has been considering the viability of a west coast regional conference for a couple of years now. This will be a topic at our next leadership meeting. There are a number of chapters in the West that appear to be growing in size and could provide a base for a large gathering. I’d be inte...
by digarei
Sun Mar 11, 2018 1:47 am
Forum: Investing - Theory, News & General
Topic: Reuters-" Special Report: Fidelity puts 6 million savers on risky path to retirement"
Replies: 48
Views: 7169

Re: Reuters-" Special Report: Fidelity puts 6 million savers on risky path to retirement"

Noob question, please - for the higher priced Fidelity "Freedom" Funds in 401k plan, do you pay the main expense ratio listed on plan AND the expense ratios for *each* of their constituent funds? :shock: :( One expense ratio for one fund, even if it is a fund of funds. However participating in your...
by digarei
Wed Mar 07, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE UPDATE 9-3-18
Replies: 114
Views: 28134

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

It is unrealistic to expect the same "big names" would come, but it might be fun anyway. It would be a lovely idea--but I am not volunteering to organize. Just sayin' :D Nothing keeping anyone from organizing their own conference. You might even get some "big names" to come. Having done it, however...
by digarei
Wed Mar 07, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Reuters-" Special Report: Fidelity puts 6 million savers on risky path to retirement"
Replies: 48
Views: 7169

Re: Reuters-" Special Report: Fidelity puts 6 million savers on risky path to retirement"

You're right, 60/40 is the "new" conservative allocation for retirees, now that we're in a 10 year bull run. Stand by for a few years and see what the conservative allocation becomes then ;) +1 It's amazing how far recommendations on Bogleheads have evolved, and how fast. Maybe the author could rec...
by digarei
Wed Mar 07, 2018 3:24 am
Forum: Investing - Theory, News & General
Topic: Looking for an example of a fund which has beat its index for 30 years
Replies: 93
Views: 9975

Re: Looking for an example of a fund which has beat its index for 30 years

While I am used to hearing statements declaring how few active funds beat their index (presumably over a year) I am interested in examples of funds which have beat a major index over prolonged intervals. If the interval is sufficiently brief (e.g. one day,) I imagine nearly 50% of funds would beat ...
by digarei
Sat Mar 03, 2018 3:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 103
Views: 27701

Re: Sacramento, CA Area Chapter - Master Thread

... 1 . W E E K . from today the members of Sacramento Area Bogleheads will be meeting in midtown. For details, please see the first post in this thread—or the agenda, below. We meet to discuss all aspects of personal finance and investing each month on Second Saturday. Reservations are being accep...
by digarei
Wed Feb 28, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Sell individual stocks to buy index funds?
Replies: 45
Views: 4177

Re: Sell individual stocks to buy index funds?

You can sell the investments and buy a Porsche and still have a story. Not much of a story, owning a car for a few years, bought and sold long before your grandkids were born , partially financed with a gift from your grandparents. However, I take your point and it's valid. I was just suggesting wh...
by digarei
Wed Feb 28, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Sell individual stocks to buy index funds?
Replies: 45
Views: 4177

Re: Sell individual stocks to buy index funds?

From a purely non-financial point of view, in your shoes I would hold on to the stocks (stop re-investing dividends), as a reminder of my grandparents generosity and perhaps a story for your own kids/grandkids one day. Over time, as your income/investments grow, these positions won't be a huge % of...
by digarei
Sun Feb 25, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 105
Views: 11520

Re: What's your cash position

Cash position: $146.00 — the nominal value of the currency in my wallet I use bank savings sub-accounts as sinking funds (self-managed escrow accounts) to pay for periodic large expenses (new vehicle, roof replacement, etc) but these are not part of my investment portfolio. I do count the following ...
by digarei
Sun Feb 25, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 65
Views: 4398

Re: I week in California, Road Trip Planning

I saw where you were going, digarei. :D Sacramento isn't as exciting as San Francisco, sure. But it is immensely livable. It's probably one of the few places left in California where someone with our income can plan on retiring in our 50s and raise our kids in a family-friendly neighborhood with co...
by digarei
Sun Feb 25, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: Blasphemy... DO PEEK!
Replies: 100
Views: 10274

Re: Blasphemy... DO PEEK!

I’m sure it’s not meant to be taken literally. I agree with you that Jack tends to express positions which are much more flexible than what is often asserted on this forum, or that his quotes are often taken out of context. In this particular case, having listened to him explain the matter, I am no...
by digarei
Sun Feb 25, 2018 6:19 pm
Forum: Investing - Theory, News & General
Topic: Blasphemy... DO PEEK!
Replies: 100
Views: 10274

Re: Blasphemy... DO PEEK!

Not sure it what respect this would be considered blasphemy. ‘Don’t Peek!’ isnt one of the ten commandments or part of ancient scripture. It remains a delightful metaphor used by Jack Bogle to encourage people to invest early so that they can obtain the result of compounding of earnings and dividend...
by digarei
Sun Feb 25, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 65
Views: 4398

Re: I week in California, Road Trip Planning

. Pay no attention to the posters above who are promoting Sacramento. It’s a dismal place with nothing to see. Rats everywhere. Venomous snakes. High crime. Chicken pox, scurvy, malaria. Plus, you’ll be bored . And cold... cuz it’s bitter cold in the winter, which lasts all year. And then it’s mise...
by digarei
Sun Feb 25, 2018 2:42 am
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 65
Views: 4398

Re: I week in California, Road Trip Planning

. Pay no attention to the posters above who are promoting Sacramento. It’s a dismal place with nothing to see. Rats everywhere. Venomous snakes. High crime. Chicken pox, scurvy, malaria. Plus, you’ll be bored . And cold... cuz it’s bitter cold in the winter, which lasts all year. And then it’s miser...
by digarei
Sat Feb 24, 2018 5:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Chapter - Master Thread
Replies: 103
Views: 27701

SABH ~ March 2018

. ... This thread has been updated with information about Sacramento Area Bogleheads' next meeting in the month of March 2018 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Read the first post for...
by digarei
Sat Feb 24, 2018 2:31 am
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 30
Views: 3804

Re: Blank line doubling

LadyGeek wrote:
Fri Feb 23, 2018 10:55 pm
The extra blanks lines have been fixed.

After some investigation, I reset a few things to straighten this out. No changes were made to the software.
Thank you. Makes all the difference. :happy
by digarei
Fri Feb 23, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Investors Should Worry About
Replies: 118
Views: 11361

Re: Larry Swedroe: What Investors Should Worry About

Digarel, I see no other way to interpret your comment. If there is, then please clarify. Dave When I read that Mr. Swedroe is “in the business of helping build robust investor portfolios[…]” it sounds like a value judgment or advertisement presented as fact. It may be true. It could very well be co...
by digarei
Fri Feb 23, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Investors Should Worry About
Replies: 118
Views: 11361

Re: Larry Swedroe: What Investors Should Worry About

http://www.etf.com/sections/index-investor-corner/swedroe-what-investors-should-worry-about?nopaging=1 […] I think it’s fair to say he’s in the business of helping build robust investor portfolios that can withstand the wide variety of outcomes predicted by many individuals. … I think it’s fair to ...
by digarei
Fri Feb 23, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Investors Should Worry About
Replies: 118
Views: 11361

Re: Larry Swedroe: What Investors Should Worry About

http://www.etf.com/sections/index-investor-corner/swedroe-what-investors-should-worry-about?nopaging=1 […] I think it’s fair to say he’s in the business of helping build robust investor portfolios that can withstand the wide variety of outcomes predicted by many individuals. … I think it’s fair to ...
by digarei
Wed Feb 21, 2018 6:05 pm
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 30
Views: 3804

Re: Blank line doubling

I apologize for my poor choice of words; they appear to have set off an unfortunate reaction. Rereading my post it does sound like a veiled criticism of the forum’s admins but that was not my intent. I don’t believe anyone was derelict in their duty. I am glad to understand that by merely deleting t...
by digarei
Wed Feb 21, 2018 10:18 am
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 30
Views: 3804

Re: Blank line doubling

It seems that including an image is causing the format issues I reported. I get the impression that this isn’t considered a serious problem with the board admins and see assurances that the forum software is up to date. However, a few of my posts are now very difficult to read. So, I think the best ...