From Buzz
Earth's Population Statistics in Perspective

The population of Earth is around 7.8 Billion.

For most people, it is a significant figure. However, if you condensed 7.8
billion into 100 persons, and then into various percentage statistics,
the resulting analysis is relatively much easier to comprehend.
Out of 100:
11 are in Europe
5 are in North America
9 are in South America
15 are in Africa
60 are in Asia

49 live in the countryside
51 live in a city

75 have mobile phones
25 do not

30 have internet access
70 do not have the availability to go online

83 can read
17 are illiterate.

33 are Christian
22 are Muslims
14 are Hindus
7 are Buddhists
12 are other religions
12 have no religious beliefs.

26 live less than 14 years
66 died between 15 - 64 years of age
8 are over 65 years old.

If you have your own home,
Eat full meals & drink clean water,
Have a mobile phone,
Can surf the internet, and have gone to college,
You are in the minuscule privileged lot.
(in the less than 7% category)

Amongst 100 persons in the world, only eight live or exceed the age of 65!

If you are over 65 years old, be content & grateful. Cherish life. Grasp the moment.
If you did not leave this world before the age of 64, like the 92 persons who have gone before you,
you are already the blessed amongst humankind.
Take good care of your health. Cherish every remaining moment.

If you think you are suffering memory loss, read on.

Anosognosia, very interesting:

In the following analysis, the French Professor Bruno Dubois,
Director of the Institute of Memory and Alzheimer's Disease (IMMA) at La Pitié-Salpêtrière - Paris Hospital addresses the subject in a rather reassuring way:

"If anyone is aware of their memory problems, they do not have Alzheimer's."

1. forget the names of families
2. do not remember where I put some things

It often happens in people 60 years and older that they complain that they lack memory.
"The information is always in the brain, it is the "processor" that is lacking."

This is "Anosognosia" or temporary forgetfulness.

Half of people 60 and older have some symptoms that are due to age rather than disease. The most common cases are:
- forgetting the name of a person
- going to a room in the house and not remembering why we were going there
- a blank memory for a movie title or actor, an actress
- a waste of time searching where we left our glasses or keys

After 60 years most people have such a difficulty, which indicates that it is not a disease but rather a characteristic due to the
passage of years

Many people are concerned about these oversights, hence the importance of the following statements:

1."Those who are conscious of being forgetful have no serious problem of memory."
2. "Those who suffer from a memory illness or Alzheimer's are not aware of what is happening."

Professor Bruno Dubois, Director of IMMA, reassures the majority of people concerned about their oversights:

"The more we complain about memory loss, the less likely we are to suffer from memory sickness."

Now for a little neurological test:
Only use your eyes!

1- Find the C in the table below!


2- If you found the C, then find the 6 in the table below.


3- Now find the N in the table below. Attention, it's a little more


If you pass these three tests without problem:
- you can cancel your annual visit to the neurologist.
- your brain is in perfect shape!
- you are far from having any relationship with Alzheimer's.

We are truly blessed, So, share this with your over-55 friends, it can reassure them.

In any case, if you are over 65 and complaining about a few aches and pains, think again

........ 92% of people didn't even get that opportunity!!
So be pleased with your situation and happy 


February 23, 2024

From Buzz  – buzz@msifund.com

For the week the S&P was up 1.8% and made a new all-time high today and is up 6.8% for the year.  30-year mortgage rates rose to 6.90% from 6.77%.  Interest rates on the 30-year fixed rose to 6.8%.  Sources:  Wall Street Journal and New York Times


15 Year S&P Returns – have averaged a 14.8% return, 26%/2023, -18%/2022, 29%/2021, 18%/2020, 31%/2019, -4%/2018, 22%/2017, 12%/2016, 1%/2015, 14%/2014, 32%/2013, 16%/2012, 2%/2011, 15%/2010, 26%/2009 – Stockcharts.com ….. If someone had invested $150,000 in the S&P at the beginning of 2009 their account would be worth $1 million+ today - Buzz

Bull Market – A random market movement causing an investor to mistake himself as a financial genius. 

Dividend Stocks – Those with yields above 5% have returned roughly 450% since the end of 2008, while those that don’t have returns roughly 1,200%.  Dividends once made up 80% of stock returns vs. only 30% now – Wall Street Journal

Marijuana – contaminated with arsenic, lead or mold is causing serious, even life-threatening illnesses around the country as use of cannabis products explodes.  People who have used marijuana have higher levels of heavy metals in their blood and are more likely to develop fungal infections – Wall Street Journal

Tax Savings – Jeff Bezos will save at least $610 million in taxes on the sale of 56 million Amazon shares last year by moving from Washington to Florida.  Washington recently imposed a new 7% capital gains tax on sales of stocks or bonds of more than $250k – CNBC

Edith Ceccarelli – who lives in California just turned 116 and is the second oldest person in the world – The Press Democrat

Low Tax Rate – There are some thousand billionaires in America.  Their average tax rate is - federal tax 8.2% - New York Times ….. The top 5% of income earners paid 38% of the 1984 Federal Income tax bill – GAO

Empty Offices – spell more trouble for regional banks.  More than $2.2 trillion in commercial debt is coming due between now and the end of 2027 – Semafor

Homebuilders – have turned to smaller homes as housing becomes increasing unaffordable.  The median square footage fell by 3% last year from 2098 to 2031.  When the year started in 2014, the average new-construction home was 2,328 square feet – Fast Company

Electricity Bills – Three years of rising electric bills may be ending.  A slide in prices of natural gas and coal which together fuel about 60% of U.S. power has only begun feeding to rate payers.  Goldman Sachs suggests that cheaper fuels will drag down average electricity prices 3% - 4% from their fall peaks – Wall Street Journal

Regional Banks – Moody’s downgraded 10 regional banks sending bank shares down and renewing concerns about the health of the sector amid higher interest rates and recent failures – Wall Street Journal

Mortgages – In 2022 just over 40% of homeowners older than 64 had a mortgage, a jump from roughly 25% a generation ago – Harvard University

Tech Jobs – So far this year 32,000 tech workers have lost their jobs.  Overall U.S. employment grew by 353,000 in January – Bloomberg

Record Returns – It took almost 41 years for the S&P to hit 1,000, which it hit in 1998, but less than three years to jump from 4,000 to 5,000 – THE WEEK

New York City’s Housing Crunch – is the worst it’s been in 50 years – New York Times

Underestimating Costs – People who retired or are close to retirement age often underestimate their expenses.  Those still working expect to spend 42% of their income on food, housing and other basic expenses, but retirees spend 53% on those expenses – National Financial

Electricity Needs – U.S. electricity demand will triple by 2045, due to widespread adoption of electric vehicles – Elon Musk, Tesla