What is the problem? If you buys a SP500 ETF you're effectively buying 500 stocks. You don't need that much, but if that is your wish it is still better than using ETFs.
Sure, if you want to print a 1000 page supplement and staple it to your taxes.
More seriously, I would still worry about order execution and transaction costs. You are likely to end up on the wrong side of the bid/ask spread when playing against the big boys.
If you're actually serious about this, you might as well start your own ETF. Or just buy this one I found after a quick Google: https://www.proshares.com/our-etfs/strategic/spxt Buying multiple sector-specific ETFs is another approach. I'm told that utilities are good to hold during a downturn.
In some countries (like Switzerland) you don't have any capital gain tax __unless_ you are a professional investor. What makes you a professional investor? One of the things that can elevate you to that status is the amount of trades you make.
So I am sure this is not viable for many people as buying an ETF counts like 1 trade, but investing the same money in the underlying assets count like 10s of trades.
Unless you have huge amount of money to play, there is no need to buy dozens of stocks every month. If you already have a portfolio of several stocks, you can buy just one or two every month and increase your portfolio. If you are just starting, you can buy a few more, or decide to start just with the most boring and safe stocks like coca-cola or IBM.
It’s a thing but your order execution won’t be as efficient as an ETF, so you will be losing a non-negligible amount each year in slippage from the large number of small transactions
Unless you're over trading (which is not the goal) you'll pay very little because you're buying and not selling for several years. This will end up being less than the fee you pay to the ETF every year.
> It’s a thing but your order execution won’t be as efficient as an ETF, so you will be losing a non-negligible amount each year in slippage from the large number of small transactions
Not necessarily
ETF managers execute block trades outside the normal market, sometimes through dark pools, not even reported to the public.
Fidelity, Vanguard, etc ask JPMorgan, Goldman to execute these block trades and pay them a fee. This fee can exceed the “slippage” a retail investor can face.
It is very true what they said. In an ETF you get both bad stocks and good. You have no choice.
If you diversify manually you can pick and choose only the crème de la creme
But… people love to be lazy or just aren’t knowledgeable enough to pick their stocks themselves and thus it is safer for them to just stick to broad strokes of an index fund.
For starters as basic portfolio, you could 1:1 an index fund but take out all the garbage from it and keep only the strong, bright future companies.
ETF are just noob introduction to the stock market and great one at that but to maximize returns you want to be more specific and intentional about your picks.
Where etfs are great even after you learn a lot, is exposure to whole sectors of the industry. That’s how I treat them: one - etf - an index of how a particular industry fares.
Source: I basically live solely from investments at 30
If that were true, then one would expect a competitive fund that does just that and that give higher ROI than an S&P 500 index fund (or index ETF) when you consider expense ratio. What is a such a fund? Or, alternatively, can you point us to a comprehensive list of those companies you would exclude from the index to get superior returns?
My returns are around 20 percent per year for years. I lack will and energy to list everything I owned but it’s basically a method of value investing + momentum trading so two opposites. You could say it’s a diversification of investing philosophies.
Honestly it’s a free for all game so no one has any interest to share their secrets and methods. When you lose money I make money. Better player wins.
Buffet was severely handicapped by the amount of money he had available. He mentioned that himself. If he had to manage only a smaller amount of money he would easily achieve 40% or more per year.
I doubt it makes people sad (well not me at least) because the buy in to get Citadel to invest for you is what 10? 50 million?
You could hit up juleiie from above for his/her winning method I suppose, or you put a portion of your savings into an appropriate ETF and get on with your life.
I’m not understanding why they would do anything differently just because he’s the Pope. They shouldn’t have hung up on him but that’s the only customer service issue here.
Well, that's why it was his last-ditch effort, because it was unlikely to work.
But the reasoning is that many companies will go out of their way to help "VIPs" and may even have a separate team to handle them that has more discretion than normal front-line support staff would.
Netanyahu is a figurehead for many too. Though if I found out my bank DIDN'T hang up on him I'd be looking for another bank.
As far as Popes go, Leo's probably upset more catholics than any in recent history. Which is saying something, given that the guy before the last one was a literal Nazi.
Because Catholics are loaded should be enough reason and I would assume the service desk employee might get in trouble. Although it is definitely the fault of the bank and their policies for identification.
That said, I cannot fault someone to be sceptical if a caller says he is the pope.
This is not really working for me at all, the second images always look near identical to the first with some minor changes. Maybe my prompts are the issue? Anyone have some good prompts?
I started with the prompt "F-104 Starfighter" and it went pretty well. [0]
I wish I could share all of the things I clicked on afterwards, exactly in the order in which I tried to tell the story. When I try to use the share feature on anything below the root node, I get "This page could not be saved for sharing." However, the video generation does work in that share modal, in the way I would expect. [1]
There are plenty of ways that money could have solved this though.
More thorough prep/training for camera operators, so they can pan the camera according to a plan, instead of by reaction.
Maybe this camera operator wasn't supposed to pan because it was trying to capture diagnostic imagery that wasn't really intended for viewers, but because of budget cuts, they opted to use diagnostic views as presentation views.
Maybe there was supposed to be a cut to a different camera. But the production room was not sufficiently staffed to coordinate the switch.
Maybe there was no broadcast plan at all and it wasn't clearly coordinated who should be taking what shots.
Maybe they were underpaying the operators and they were not qualified.
Maybe they were underpaying the operators and a single operator was stuck operating multiple cameras and was framing a different camera at the time.
Automated tracking systems.
Sure, it's very likely that this might have happened anyway, but there are a lot of ways that reducing budget reduces planning and coordination. Especially if there is enough budget squeeze to move funds from public support campaigns (this entire stream was a public support campaign) to critical things (like building a rocket).
I've watched hours of athlete parents try to track their athlete kid and it's marginally useful at best. Lots of shaky cam even at Pop Warner football speeds. So panning at the right time, with the muscle control to keep the object centered, is harder than you think.
If they have a professional videographer on staff working that camera it almost certainly would have never happened. Elon, who was in charge of DOGE, didn't take communications and marketing seriously so I'm almost certain they were one of the first to be let go.
You've made it very clear that you hate Elon and DOGE, but what you have not made very clear is what are your sources to say that:
- No professional videographer was part of the staff?
- They were fired/cut by DOGE on behalf of Elon Musk?
Absent any other evidence, wouldn't it make more sense to simply assume that there was at least one professional videographer on staff, and an entire professional video team, but they just weren't very good/effective for a variety of reasons unrelated to Elon Musk?
SpaceX coverage is much better! lol This is such nonsense. How much does a professional videographer cost? It's a rounding error given what they spend. It's just bad planning and decision-making. This is a damn mission to the moon, not little league baseball, why would you ever compare the two?
A runway light does not physically prevent a vehicle from entering a restricted area in the same way that an interlock would. Not saying it’s practical but an interlock would have indeed prevented an accident of this type.
Yes, I get that. But an airport is not a rail network. The question is how you would actually implement physical interlocks on an airport in a way that works and is safe while controlling movement of everything from a pickup truck to an A380? It's an incredibly hard problem to solve. And keeping in mind too that the Runway Status/Entrance Lights first started development over 30 years ago and are still only deployed at 20 airports, despite being a vastly simpler system than one controlling physical barriers.
I'm curious how much of a buffer there is between the time the sensors detect the airplane and it being safe to enter the runway.
Is it definitely safe to cross the runway in a vehicle moving a normal speed up to the moment before the lights turn red? Is it safe for a little bit afterward? Or is it unsafe even a little before the lights turn red?
I am not gp, but I like to have a nice collection of unread books to browse and pick from, not (to almost quote someone, from my vague memory) "shelves full of books to impress others with what I have already read".
Sorry but if that’s the case you definitely don’t have large hands. If you did you’d be able to use the Pro Max one handed and reach everything except the top left corner by swiveling your thumb (Reachability enables you to reach top left corner)
This depends entirely on how you hold your phone in your hand. For some positions, someone would need a 5” thumb to reach the corner. You can’t make such sweeping statements for something with such variation.
> Reachability enables you to reach top left corner
I thought it goes without saying that poorly made accessibility features don't mean the device is very usable. The existence of that feature by itself is already evidence against that.
Transferring eSIM from one iPhone to another can be restricted by the carrier. Here in India, the second largest carrier (Airtel), does not support the native iOS eSIM transfer process. It’s a separate set of steps (the ones published on Airtel’s website won’t work, despite customer care claiming that it does). What works is almost like applying for a new or replacement eSIM.
Same here, KPN, NL. You have to install the KPN app on the new phone and log in. Then you request an eSIM on the new phone. You get an SMS auth code on the old phone. You fill the auth code on the new phone. Then you have to remove the eSIM from the old phone (with the new one not provisioned yet). Then confirm on the new phone and cross your fingers that provisioning works. Presumably (according to the docs) when it fails, you can reprovision the old phone again.
The process made me so anxious the last few times, that I went to the carrier shop and asked for a nano SIM. Now life is bliss again.
It seems that eSIM is primarily an advantage when you need to get a new SIM, but other than that I don't really see much of an advantage for me as a customer.
I had to _call_ my German provider to get a new eSIM.
Meanwhile, my carrier in Japan not only migrates eSIMs between phones with no issues; it even offered to migrate my wife's physical SIM to an eSIM when setting up a new phone; and it worked flawlessly.
The way my original eSIM here was provisioned was also surprising to me, in a "I didn't even know this is possible" way.
When signing up for a contract, I just put in my eSIM EID, and then a couple of hours later an eSIM was _pushed to my phone by the carrier_; without me having to do anything (other than confirming that I do want to install it). Lots of customer-facing telecom infra here is pretty bad; but the eSIM experience was as good as it gets.
We know democratic systems are barely working in little countries of 350 million people like the USA. Are we really surprised they are imperfect when scaled up to 1.5 billion people?
In the same way an adult is responsable for "picking" the religion they believe in, the one that it was imposed upon them by their parents during their childhood.
