Are the YouTube link previews showing up properly for anyone else? Is it a Chrome browser feature, some shady YouTube change, or just an issue with the Inderes forum?? It would be great to get a hint of what the video is about before clicking. Or is this just some kind of “clickbait” after all?? z:thinking:
Thank you very much for the heartwarming feedback!
BNSF publishes weekly rail traffic data on its website: https://www.bnsf.com/about-bnsf/financial-information/
Just scroll down the page to the “Weekly Carload Reports” section to find it. Below is a screenshot of the latest one.
Lovely how Nordnet has once again managed to pick all the dullest stocks for that campaign too 
. NVIDIA and Novo are the only attractive ones of the bunch, but even those are too expensive in my view. Why not just Volvo, instead of some pathetic Volvo Cars 
.
The list is full of nothing but oil/energy sector companies 
Well, the press release mentions “for the two most-owned stocks per market,” so indeed those stocks in the offer are the two most-owned (=most popular) stocks per market. Why the most popular stocks are also the crappiest is something one might wonder
I was thinking of adding a bit of Nordea myself.
https://keskustelut.inderes.fi/t/inderes-fi-sisallon-kehitysideat/71/3498?u=markus_hav
Today, by popular demand, the morning review was read by AI-@Juha_Kinnunen! 
Juha’s voice is quite nice, but they’re honestly impossible to listen to My heart rate goes up at least, because the pace is just totally relentless. It needs a scriptwriter who can add some breathing room in the right spots.
Oh, look at those massive volumes on the Helsinki Stock Exchange again! 
I wonder just how long those stockbrokers are actually on vacation for? Could Risto Murto start investing our pension funds in Helsinki again?
I can’t quite find a suitable thread for this message, so I’ll write here.
Now my monthly savings plans are being revamped 
I have been monthly saving into index ETFs for nearly a decade. The savings amounts have always been fairly large relative to my income, which has meant a certain level of skimping in certain areas. I have also been involved in competitive sports at a national level for over 20 years. The sport requires money so that development can be optimal and I wouldn’t be giving an edge to others in terms of equipment. I have been giving that edge away all my adult life, as I have firmly believed in the freedom I would one day achieve through diligent investing.
Perhaps at some point, I failed to realize that if I spend an average of three hours a day trying to become as good as possible in the sport, maybe it would be worth investing my best in all aspects, including financially. I’ve competed my whole young life, and I’m not getting any younger. As a 60-year-old who is financially free, this dream can no longer be realized at this level. So, I have decided to start a three-year sports project with the goal of reaching the national top. The world elite is at a completely utopian level in this sport, and my genetics would never have been enough for that.
I have a job that allows for remote work and flexible hours. I can work abroad while training in good conditions. I earn a high enough salary to go on training camps and acquire better equipment. No offspring yet to complicate daily life. I have all the conditions to carry out this project now rather than later.
From an investment perspective, this project means that the monthly savings pot of over a grand will shrink to a few hundred. However, since I’m only in my thirties, the compound interest effect means this project will have a massive cost (hundreds of thousands of euros over a long investment horizon). It feels crazy that I am willing to sacrifice so much for some amateur hobby. Yet perhaps I feel that the most expensive price of all would be to have to play “what if” in old age, having spent all the free time of my youth on a sport without ever even trying my best.
I’m not ready to give up my profession, though, as someone has to pay for this fun. Even an amateur can succeed at the national level. I’m not so crazy as to liquidate my portfolio 
Very good, it’s definitely worth it! I personally put my savings completely on hold in 2022 (actually went negative, I withdrew money for sports) for three months when I had the chance to focus 100% on my sport, and it really brought a ton of results, happiness, and memories that would have surely taken four times as long to achieve otherwise.
Hats off to what I think is absolutely the right decision.
I would argue that the memories you make within the sport are the ones you’ll look back on and smile in your rocking chair. Not your investment portfolio balance.
Exactly. Life is here and now.
Great post, and I take my hat off to your brave decision! I believe I would do the same in that situation.
I’ve been home with the children for a couple of months now, and I’ll continue for another two. I’ve taken all the father-specific parental leave before, but now that the family leave system has been reformed, my wife and I shared the leave even more equally between both parents.
Financially, being on parental leave isn’t a particularly bad solution because the state subsidizes being on leave quite generously. At least from the perspective of a country boy who avoids spending. When you add the holiday bonuses falling at this time and the fact that part of this longer leave was summer vacation at full pay, there isn’t a significant drop in income.
However, I’ve been thinking for a while now about whether to take child care leave next year. It only pays a measly child home care allowance (around €300–400/month as far as I know), so some advance saving during the dark winter months would be appropriate. I wouldn’t have to touch my portfolio, but investment savings would, of course, be frozen for several months.
But if I sit down for even a moment to really think about what the wisest possible solution would be, it’s crystal clear that a ten-thousand-euro loss of income (and yes, a “loss of income” of hundreds of thousands over decades) is a negligible sum compared to getting to spend half a year at home with young children.
I can always earn that ten grand back if I want to, but children are small only once.
I think the same applies to your dream of professional sports. 
Reading the Canatu thread
Life is a person’s best time… or how did it go .
It’s definitely worth taking advantage of those parental leaves. It’s a very rare opportunity in adulthood to do something other than work for a while. Our little baby became a real daddy’s girl when I was at home with her for 4 months. You can also do things together that you somehow otherwise never have time for. Who knows, maybe the baby will get excited about a war museum, for example. You never know in advance 
.
We toured museums and exhibitions. I got to join music playgroups and mommy groups. We traveled to see relatives and enjoyed the great outdoor weather.
Argh, the Tax Administration is driving me crazy. First, they send the estate a tax bill for imaginary capital gains. I ask what these are based on. They say they just pulled some numbers out of thin air because they didn’t know the sale prices. I go through the massive effort of filling out form A9, reporting the estate inventory values and sale prices—the result was something like 14 euros in capital gains. Now, months later, a new tax assessment arrives, and it’s the same ten grand in imaginary capital gains and a massive tax bill again.
Mauri finally got around to posting his review in the Incap thread and the share price reacted like this. Thanks for the insight! 
Mauri 
Incap
https://keskustelut.inderes.fi/t/alokas-haastattelee/35425/78?u=sijoittaja-alokas
https://keskustelut.inderes.fi/t/satojen-tuhansien-salkut-mista-rahat/38759/418?u=sijoittaja-alokas
The interview with the username Lyly ja Immo was very popular, as were their other posts.
This very friendly and warm friend of mine is a great example of how a long-term and optimistic attitude pays off. These kinds of people really seem to be the most empathetic ones.
It’s worth reading both the interview and their post in the “Portfolios of hundreds of thousands” thread. 
But now for the question that many are probably wondering. Where did Masse disappear to? Are those Sampo salmon still being hoarded in the freezer? There’s something similar about this writing style
Evolution, Hyzon, Kamux, Genovis, Smart Eye, and Surgical Science. There are probably other serial disappoints as well, but it’s not worth ruining an evening that’s off to a good start with them.
https://www.nordnet.fi/fi/markkina/osakkeet/ideat/listat/2-miljoonaa-asiakasta-nordnetissa
Tomorrow I might pick up a gentlemanly and modest amount of Nordea for the dividend portfolio
One of the government’s strategic projects is the Turku One-Hour Train. It has a rather large price tag – approx. 3.4 billion euros – so in the current economic situation, all means of cost-saving must be considered.
In Tampere, they hit the jackpot.
The final time saving will be achieved by moving Turku to Swedish time, meaning Turku will always be one hour ahead of the rest of Finland.
“This way, the state railway company doesn’t need to acquire bullet trains; even old Dv12 diesel locomotives and blue carriages manufactured by the Pasila engineering works will make it along the coastal line just fine, and the agreed-upon time saving will be realized.”
