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Berkshire Hathaway

My taste in financial advice runs toward the simple and the lessons I’ve learned the hard way. But I still like reading about investing/finance, and I recently read through the 2014 annual report for Berkshire Hathaway.

Given that it was the 50th anniversary of Warren Buffett taking charge of Berkshire, I have to admit that I expected more nuggets of wisdom. I did have two favorite quotes though. On page 19, Buffett writes “Huge institutional investors, viewed as a group, have long underperformed the unsophisticated index-fund investor who simply sits tight for decades.” So take it from Warren Buffett: broad-based index funds with low fees will outperform most active management. That’s something that most people saving for retirement–which should be almost everyone–should keep in mind.

The other quote I liked was on page 35: “In our view, it is madness to risk losing what you need in pursuing what you simply desire.” That’s some serious life wisdom there, not just good financial sense.

I have to say though, I was troubled by a recent report from the Center for Public Integrity and the Seattle Times. The report contends that Clayton Homes, a subsidiary of Berkshire, preys on vulnerable people in all kinds of ways, including predatory sales and lending practices. The article is long, but it’s worth reading all of it.

A follow-up post digs into Berkshire’s response to the story.

My next project: AutoSEO

This was an April Fool’s joke.

I’ve been working really hard with some friends on a project to handle SEO automatically. Now we’re ready to take the wraps off it over at seo.ninja.

One of the ideas that helped the World Wide Web succeed was that it separated presentation and content. You could write your text and decouple it from the problem of how the text looked. AutoSEO takes that to the next stage with search engines, so you don’t have to think about things like redirects.

How much would you pay to never have to worry about keyword density, H1 headers, or meta descriptions again? How about.. free? That’s right, AutoSEO is free for individual, students, self-hosted installs, and companies with fewer than 100 employees. AutoSEO is also built from the ground up to handle mobile browsers.

We’re starting with a limited set of invites to kick the tires on the system before opening things up for wider usage. Read more about the project over at seo.ninja!

This was an April Fool’s joke.

Next 30 day challenge: social media/news cleanse

For January 2015, I tried to declutter around the house for 15 minutes a day. We now have a couple rooms that are much cleaner, and I gave away a bunch of magazines.

For February 2015, my 30 day challenge was to go on daily 15 minute walks with my wife. That was nice.

Lately I’ve been spending more time than I’d like on social media and reading news sites. So for March 2015, I’m going to do a social media and news cleanse. I’ve done a social media cleanse several times before and it’s usually quite helpful for getting re-centered.

Here’s the steps that I’m taking:
– I’m using the StayFocusd Chrome extension to limit myself to 15 minutes a day of Google News, Twitter, Google+, Hacker News, Techmeme, Nuzzel, Reddit, and Imgur.
– On my R7000 home router I’m using the “block site” functionality for several of these sites. It looks like the R7000 can block HTTP sites, but not HTTPS.
– On my phone, I’m removing the new tab thumbnails for these sites. I’m also removing some social media apps from my home screen.

I figure that either I’ll get some good stuff done, read a lot of books, or die of boredom. I may (rarely) drop a link on social media, but if you see me just hanging out, please remind me to close my tab and move on. :)