Yesterday, Bogumil from ARPLAN finally replied back and approved my two-part comment for his latest post. My conclusions still stand as usual, but now I have to begin reposting those two comments here. I could have done this earlier today, but I have been having issues with my Internet connectivity due to the inclement weather at the moment. My hope is that tomorrow’s weather will let me post something more substantial than short, concise posts. Besides that comment in two parts, expect me to also write another post devoted to personal finance.