The automatically Finnish-translated presentation page for Microsoft’s own automatic language translator, Microsoft Translator, released this week, has already become a meme.
Breaking kieli muuri kotona, töissä, missä tarvitset sitä
And the same strong momentum continues throughout the entire presentation page.
Kääntäjä tuki
Esitä kysymyksiä, Etsi vasta uksia ja Hanki tukea
The site’s subpages feature similar gems of “high quality,” such as “Etsi UKKS”, “Kääntäjä App Kielet”, and “Kääntäjä for Business ohje sivu”.
But our absolute favorite is “Download Center”, which Microsoft Translator has decided to translate as… “Espoon keskus” (Espoo Center).
It’s great when the market reaction is already known before they have even opened
Neste’s Q4 2025 result (published Feb 5, 2026)
exceeded market expectations. Particularly the Oil Products segment performed stronger than expected, which bolstered the year-end earnings level despite the challenging market situation.
Profitability: Comparable EBITDA rose to 504 million euros, which exceeded analysts’ previous forecasts (approx. 417 million euros).
Renewable products: Sales volumes grew by about 8% to over one million tons. Although sales margins improved from a weak comparison period (440
/ton vs. 242/ t o n v s . 242
/𝑡𝑜𝑛𝑣𝑠.242
/ton), they still remained moderate from a historical perspective.
Oil Products: The segment’s refining margin rose significantly thanks to strong gasoline and diesel demand, which was the biggest driver for the earnings beat.
Dividend: The Board proposes a dividend of 0.20 euros per share to be paid for the year 2025, which corresponds to the previous year’s level.
Neste’s share reacted positively to the result, continuing its previously started rise. Investors welcomed the improvement in the result after a difficult start to the year, even though the company’s leverage ratio (NIBD/EBITDA 4.4x) remained high.
It seems that the 7:49 “Sampo beat expectations and updates its dividend policy…” is an earnings day live feed. Its headline is updated as announcements are released. Kauppalehti has no way of accessing insider information before it’s published. Sorry for ruining a good story with boring facts.
My mandate in this company has never been defined very precisely, so my own interpretation is that every company not under Inderes’ research coverage (they can be, for example, a webcast client) is “under my coverage,” and I comment on them as much as I like if I’m even slightly familiar with them. So far, I haven’t received any flack for this style.
Due to my choice of career, I don’t often get to talk to high-level entrepreneurs or investors in my daily life. Today was a pleasant exception, as I had the chance to talk (for far too short a time, unfortunately) with Brinter’s CEO and Co-founder, Tom Alapaattikoski. In short, Brinter manufactures 3D bioprinting equipment. Its valuation was around 30m+ during the last funding round, and it is likely significantly higher now. Before a brief chat with Tom, he gave a short presentation about himself and his companies. While listening to the presentation, I remarked to the colleague sitting next to me that I’m in the wrong field! Honestly, presentations in my own field don’t offer much at this stage, but boy, was it nice to hear about things related to my “hobby” during the workday.
For some, this is just a normal day, but for me, it was a truly significant encounter. It was great to see that I could hold a conversation with a heavy-hitting startup guy, even though the gap in our business, entrepreneurial, and startup expertise is massive.
We also briefly touched upon the AI disruption facing software houses, e-commerce, and of course, the much-talked-about Donut Lab (they were at the same CES trade show just a couple of weeks ago).
Tom, if you happen to read this, thank you for the chat! It was a rewarding experience for me, and it gave me even more enthusiasm for this free-time “time sink.” I also apologize for the weak coffee; I’m not sure who brewed it. I didn’t drink mine either.
I’ve been following these discussions from the sidelines for nearly five years now, and the question inevitably arises: why?
Why do you act year after year in a way that, even statistically, most likely leads to losses, when there is an alternative that offers a 100% certainty of the same return as the stock market on average? That is, global index funds.
Haven’t you paid enough in “tuition fees” already? You would still have good initial capital for index investing and the chance to build wealth over a reasonable timeframe.
Reading these forums, the thought inevitably comes to mind that this community has caused you massive financial losses. It seems that the desire to belong and participate actively in these discussions is one factor that supports making those repeated bad decisions.
And I’m logging off again, and this message likely won’t stay up for long. This is, quite frankly, a community of toxic positivity, like a group of morbidly obese people encouraging each other to keep eating.
Thanks for your questions, your message had a lot of great ideas!
There’s a 99% chance that by investing steadily in these kinds of familiar low-cost funds, like a world ETF, I would get better returns. So you’re right.
This has been discussed several times before, but it’s probably the same as for some others—this is a fun hobby since I spend dozens of hours a week on it. It’s funny, though, that I’m mostly in individual stocks. I’ve caused my own losses, but well, that doesn’t surprise anyone.
Opening the portfolio often stings, but most of the time it’s fun.
Yeah, no need to log out, you had good questions and many great ideas.
I bet there’s a bit of conscious self-irony in @Sijoittaja-alokas’s stock picks, where the poor stock choices are highlighted and the successes are kept quiet. When you have good self-esteem and a naturally kind nature, it’s easier to make fun of yourself than others
Now that the dollar is cheap, it might be worth considering the retirement destination below. I should probably have posted this in the relevant thread, but let it be here.
Judging by the portfolio returns thread, there might be an unexpectedly high demand for the location. It could be, however, that the Dominican Republic is not the desired destination. Hard to think of any other reason not to seize the opportunity.
I wonder to what extent the damages from Storm Hannes have been factored into that Q4 report? Since the storm occurred at the end of the month, A. it’s unlikely that claims have been filed for all damages, B. there’s no way all property damage inspections could be completed in that time, and C. compensations haven’t generally been paid yet. One would imagine that it would specifically weigh on the Q1/26 results. Perhaps it has been accounted for in that moderate forecast for 2026?
Index funds work for as long as they work. For example, by buying “world” funds today, you end up pouring money mainly into US investments, which are in a questionable situation right now, to say the least. You’re forced to buy into quite a bit of tech hype, like Tesla with its P/E of almost 400, and an owner who is what he is, etc. And the country’s leadership in general is something quite unprecedented and dangerous.
You can, of course, blindly keep firing away and think that nothing will ever change, that American supremacy will continue, and so on. And there are probably decent chances of that. But it’s strange to wonder in such an aggressive tone why people want to take their own stance when the entire world order is quite clearly in transition.
It is no law of nature that a US-weighted index fund will “100% certainly yield at least the market average.”
I was checking out Revenio’s comparison periods, and these days an AI summary pops up nicely when Googling. It’s a pity that out of these figures, only the revenue is correct
So far, I haven’t received any flack for this style. 
