Devoted to understanding the basics and fundamentals of investing

For what it may be worth, and for the sake of consistent referencing, as it relates to the subject matter of the above posting, in response to another one of your postings, entitled "College Savings Plan -- Alert, Alert, Alert" (May 18), I posted a comment (dated August 24th), entitled "A House Divided." The purpose of this comment was to describe an alternative method of gifting funds to your child, specifically in an equity-sharing arrangment with the child, enabling the child to afford an investment in a home, while enabling the donor (you) to benefit from some additional tax breaks.

Bob, thanks for the reminder. I had forgotten that comment. I reread it and will use it for my next post so we will have two housing columns back to back. I hope that is all right with you. You always write such informative comments I often think this out to be your blog, not mine.

Thanx, but no thanks. It's MUCH easier for me to sit back and periodically blurt out smart-assed editorial commentary, or extrapolate at will (my mother told me never to extrapolate, or I would go blind!) on your chosen subject matter for any given day, with outrageous or provocative feedback, than it is for you to constantly dream up your interesting and informative new reference material, for a freshly composed blog issue every weekday. Not only that, but you also have to fairly and frequently moderate those differences of opinion between outspoken commentators like me, and more rational people like yourself (as well as the balance of your well-educated and thoughtful readership).