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The opposite day I got here across a thread on Twitter the place the subject was the distinction between aggregating point-in-time experiences vs aggregating the identical experiences over a time frame. It sounds unique, but it’s truly a very simple concept and each investor ought to understand it. The original tweet asked when you were supplied an investment that had a 50% chance of returning 0.6x (40% loss) and a 50% chance of returning 1.5x (50%) gain, should you take it? The answer would appear to be an apparent sure because (zero.5 0.6) + (zero.5 1.5) = 1.05. You can, on common, count on a 5% acquire, so why not. President Gordon B. Hinckley and different Church leaders have endorsed multiple times concerning self-reliance, debt, and wise financial administration, and the Church’s Welfare Services Department has produced instruments designed to help Church members observe that counsel.