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You can’t predict the future, only what you pay for it

When it comes to investing, it’s hard to know what will happen tomorrow or next week. Or even next year.

But there is one thing we can predict – how much you will pay for an investment. And often that tell you a lot about what will happen.

The predictive power of fees [Occam Investing] – “Investors can never really be sure of anything – we’re left to make the best of unprovable theories and confidence levels while navigating an environment in constant flux. But no matter how much changes in markets, no matter how many theories you choose to place confidence in, one thing will remain true regardless of approach. All else equal, lower fees will result in better performance.”

5 sustainability tricks to save you money [The Twenty Percent] – “January is the time for trying new things and changing aspects of your life. Many people are looking to live more sustainably, while others want to save more money. But why should you have to choose between the two? Here are 5 sustainability tricks to save you money.”

Don’t pick up! The rise and fall of a massive industry based on missed calls [Rest of World] – “Kumar’s friends and family members began ringing each other but hanging up before being charged for a call; the resulting missed-call alerts functioned as a kind of code between them. “It was decided in advance,” Kumar says. “We would say, if I’m coming to pick you up, I’ll give you a missed call, and you come out of your house.””

Your story: Why did 11 days disappear in 1752? [Augusta Chronicle] – “People living in Britain, America and other English colonies went to sleep on the night of Sept. 2, 1752, and when they woke up the next morning it was Sept. 14, 1752. Because the people thought the government was trying to cheat them out of 11 days of their lives, there were riots in villages. Eleven days (Sept. 3-13) were cut from the calendar, deleting them forever. These days simply never existed – no births, no marriages, no deaths.” (and you thought the U.S. sticking with English units was annoying!)

See you next week!