Do you lack the ability to fathom how stepwise change works?

When you can get 1% better you take it, and then take the next 1% and the next and the next.

Apathy until something is 75% better as a step wise improvement means you will never see it.

That leaves out when the company prompting you charges an administration fee to collect part of that sum donated for their own profits.

It leaves out when they, like CVS did with the diabetes association charity collecting at checkouts, take the money as an IOU to the charity while making money out to offset loans in the near term.

It leaves out structuring of collected funds to allow a 503C arm of the corporation to have tax advantaged status while also specifically being chartered to help the for profit company that you are shopping at.

There are a variety of scummy practices employed by organizations collecting those funds and it absolutely can benefit them to do so.

I was at the Mayo Hospital’s own chronic pain rehabilitation clinic, and have all the PT exercises they had their patients all do if interested.

They wrote. It down.

It may prove to not end in consequences, but they took notes on a criminal conspiracy before the outcome and it’s part of evidence submitted in federal court.

Nothing burger is not nothing.

If your portfolio was a Fidelity target date fund, it would not be impacted by the local industry you mention in your post.

I also happen to know more about the details of how our retirement fund recommendations to clients works at Fidelity… because I worked there for the last 5 years.

You are showing the results of poor selection on your part.

Aluminum oxynitride is transparent aluminum, but alpha aluminum oxide, which is also transparent, is called Corundum.