Toby Howell

I figured out that I'm lazy because ETFs exist.

A lot of these things already are out there where if you wanted a semiconductor, buy all the most successful semiconductor stocks, someone has put together that ETF.

There's a lot of ETF providers out there, but I'm not going to track those down.

I'm really not going to work very hard beyond, but I will do something like

I know semiconductors are doing well right now.

Just find me the 10 biggest market caps and 10 that you think will do well in the future.

Put that together in a fund and then I invest in that.

So in terms of the amount of research I'm willing to do, it is very easy to type in a plain text prompt and then get something back.

And I played around.

I did like three or four of my own custom ETFs.

They've done all right.

Again, it's just my brain doing these things.

So from a perspective of a pretty casual perspective,

investor, I do think it's going to be great because you can do more complex investments without putting in more complex effort.

Moving on, you know when a cartoon character sees a pie on a windowsill and their eyes pop out of their heads?

That's how Airbnb is looking at this summer as it tries to capitalize on the World Cup and establish itself as an everything app.

So far, that vision has run into some tough sledding.

Excited hosts plowed money into renovations and raised prices expecting a flood of foreign visitors.

But as the tournament grows closer, many cities still sit below 50% occupancy and are forced to rely on hope for some stragglers to come through.

But hope is not a strategy.