This is really nice, ... We get a foliage tour thrown in for no extra cost.

It really doesn't cost all that much extra to have nice leather seats and televisions in every seat. But let me tell you it makes a big difference in flight.

For no extra cost, in an equity fund, especially a low-cost index fund, you get currency exposure and diversification. You can get your currency diversification through your equity positions. That's the way a long-term investor would do it. Do not try to be smart about this.

The reality is no one really knows when the foliage peak is,

It was nice to get the first one out of the way. I've thrown off that mound and I felt pretty comfortable.

(Berlin) was the most gratifying tour of the whole thing.