00 . Toocold, I faced a similar crossroad 10 years ago. As such, your investment philosophy should change from growth to preservation. However, most people his age probably kept their money in the safe bank accounts earning 0.1%. I am looking into the less volatile stock funds that are geared more toward a minimum volatility index and bond funds that are not just a total bond but offer broader exposure and higher yield. And while Bernstein was focused on investing, I got to thinking that this concept also applies to other areas of post-FI life. Real estate investment income is also a slight inflation hedge, depending on the market and local region and the balance of population growth or decline plus the change in supply in the market. Mr. Bernstein owns over 9,800 units of Equitable Inc stock worth over $1,090,980 and over the last 6 years he sold EQH stock worth over $362,672. . Bernstein's first book, The Intelligent Asset Allocator, makes this case in detail; his second book, The Four Pillars of Investing: Lessons for Building a Winning Portfolio (McGraw-Hill, 2002; .mw-parser-output cite.citation{font-style:inherit;word-wrap:break-word}.mw-parser-output .citation q{quotes:"\"""\"""'""'"}.mw-parser-output .citation:target{background-color:rgba(0,127,255,0.133)}.mw-parser-output .id-lock-free a,.mw-parser-output .citation .cs1-lock-free a{background:url("//upload.wikimedia.org/wikipedia/commons/6/65/Lock-green.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-limited a,.mw-parser-output .id-lock-registration a,.mw-parser-output .citation .cs1-lock-limited a,.mw-parser-output .citation .cs1-lock-registration a{background:url("//upload.wikimedia.org/wikipedia/commons/d/d6/Lock-gray-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-subscription a,.mw-parser-output .citation .cs1-lock-subscription a{background:url("//upload.wikimedia.org/wikipedia/commons/a/aa/Lock-red-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .cs1-ws-icon a{background:url("//upload.wikimedia.org/wikipedia/commons/4/4c/Wikisource-logo.svg")right 0.1em center/12px no-repeat}.mw-parser-output .cs1-code{color:inherit;background:inherit;border:none;padding:inherit}.mw-parser-output .cs1-hidden-error{display:none;color:#d33}.mw-parser-output .cs1-visible-error{color:#d33}.mw-parser-output .cs1-maint{display:none;color:#3a3;margin-left:0.3em}.mw-parser-output .cs1-format{font-size:95%}.mw-parser-output .cs1-kern-left{padding-left:0.2em}.mw-parser-output .cs1-kern-right{padding-right:0.2em}.mw-parser-output .citation .mw-selflink{font-weight:inherit}ISBN0-07-138529-0), is aimed for those less comfortable with statistical thought. Not sure about the condo value, but sounds like you could lose your job. I will also buy an annuity to provide some income that is safe under any market condition. The after tax account is equity heavy but they cannot be just sold; the taxes would be murder. Risk has many dimensions and risk free does not exist. And to be honest most people are probably in this position or actually shy of this position as we know from savings numbers. Its very difficult to change your habit especially since they are good habits. (What I like most about retirement so far is the overall absence of stress.). Kindle Edition. There are a number of benefits. The advice is correct, once youve won the game you dont need to play any more. I didnt quit in 2012 when I left my full-time job because I wanted to run up the score and absolutely make sure I never have to work again. Risk is a tricky subject and it is impossible to eliminate it just because youve hit your number. I am not sure if that will ever stop. William J. Bernstein, author of A Splendid Exchange: How Trade Shaped the World, talked with Qn about both . All of my effort is focused towards putting my money in the right stock index funds for future growth. I finally got her to agree by pointing out that this blog had made more than $10k over what Id planned, so we had the extra money to spend. So you can move to another game. Ill provide my experience and expertise, perhaps part-time, for the foreseeable future. * Rebalance once a year to ensure that each fund contains equal amounts (one-third to each for those doing the brutal arithmetic). document.getElementById("af-footer-1925292122").className = "af-footer af-quirksMode"; Rounding out Bernstein's advice is a virtuous and instructive reading list and list of funds to populate your triad of investments. I really enjoyed this article. And in both of these cases, people can choose to keep playing or not thats the beauty of FI you can do what makes you happy. A good rule of thumb is to have, at the very least, 25 years of RLE saved up to retire at 60, 20 years to retire at 65, and 17 years to retire at 70or in this case, $1 million, $800,000 and $680,000, respectively. Is this just some ego thing?. So, sell off the worst 10-20% and replace it with better properties. If someone has an investment that pays even 3 or 4% with zero risk Id like to hear about it. Big job offer, life-changing money, and a tremendous opportunity. They are actually in a precarious position if they hope to coast to the end especially given that they dont know where the end is. Im not saying people HAVE to do anything (not sure you think I did or not, just want to be clear). Actually his kids did because hes given them most of his estate already in the last few years. Otherwise, all that they have gained over a lifetime could be lost at the whim of any number of catalysts: a one-day stock-market crash, an excruciatingly and nearly imperceptible years-long bear market, or simply specific-stock risk. Any thoughts out there on my home purchase dilemma? William Bernstein advises retirees and near-retirees to avoid investing in risky assets such as stocks, at least with money needed to provide an adequate income stream. Very good post. Equities subject you to higher volatility, no guaranteed return of capital, and greater uncertainty especially in the short term (though potentially for decades or more). Lucky me, right? Very rich is in the .1% which is around 30 million. Both his parents were civil rights activists and members of the Communist Party. It becomes part of our fine and to remove it is hard. I am being offered a CEO position, which will require extensive travel, expanded hours, and higher stress all of which Ive handled when I used to manage a business unit for mega-corp. Having achieved FI and a good work-life balance, I am not sure I want this position. The one question that I personally struggle with is, isnt this what you have been working toward? ughh. I am right at the point where the game is changing for me, from accumulation to preservation. I wrestle with this too. Thats the beauty of FI!!! One of the things we are considering is taking the deferred portion and converting it to Roth IRAs over an extended period of time so that I can pay the taxes now and then have tax-free income for life on those earnings that can be passed on to our heirs, tax-free as well. Im learning the game is quite different when you move the focus to preservation, with more considerations around taxes, than I would have thought. Im not saying that hypothetical person should stay 100% in stocks, but they probably also dont need to pull completely back and feel the need to protect what they built. This website uses cookies to improve your experience while you navigate through the website. The game evolves. It is a different type of high than anything else, to the point where it can be euphoric! $14,000,000 net worth. Consider the following habits that many financially independent people have developed: In other words, they worked the ESI Scale to financial independence. It is also mentioned multiple times in my recent Millionaire story as well. anyone can do it. Good guy in investing number One - John C. Bogle of Vanguard. In fact, if you do keep at it then your financial independence could be at risk. Bottom line, I think some keep going for reasons you mentioned, but I also think theres a just in case factor that comes into play that keeps many in the game. My younger self would have jumped at the chance. His advice works for most people willing to be patient, sensible investors. ", Bernstein holds a PhD in chemistry and an MD; he practiced neurology until retiring from the field.[4]. I havent read all the responses in detail, but I think I get the message. But the problems for ESG investors don't stop there. Especially to all those newly retired 30ish year olds with small children yet to raise and educate. To give even more perspective on this thinking, let me share a few posts I found around the web. They were asking about the conservative tilt. On file we have 92 email addresses and 114 phone numbers associated with William in area codes such as 631, 501, 630, 847, 239, and 43 other area codes. William J. Bernstein is an American investment adviser and financial theorist whose bestselling books include The Birth of Plenty and A Splendid Exchange.His most recent book, Rational Expectations: Asset Allocation for Investing Adults, was recently reviewed in The Economist.He is a principal in the money management firm Efficient Frontier Advisors, a frequent guest columnist for Morningstar . I get job offers every other month or so. Instead, Ive spent a lot of time kayaking, hiking, biking, skiing, snow shoeing, berry picking and hanging out with friends and family. I think youre doing (or trying to do) what Bernstein suggested once you hit your goal you adjust your strategy since youve already won. . Don't be deceived by the title. I went 80% equities in 2013 and that has worked out well, and my ever increasing stream of dividends has more than replaced my bond income. Retirement can last much longer than it did in the past. "True abundance isn't based on our net worth, it's based on our self-worth." - Gabrielle Bernstein . "Bill" Bernstein is the kind of person that every time I talk to him, I learn something new. They include a lack of knowledge about financial history, vanity and the "talented chameleons" that populate the financial professions. He is from United States. Can I live without index funds in my life? The thought for me is I still have over 1.4 million in the stock and bond mutual funds with a 50/50 split. Required fields are marked *. It could just be semantics, but I would say you stopped playing the game and simply moved to a new one. Home; Features; Services; About; Contact; Login; Get Free Demo; william j bernstein net worth (The theoretical background of this comes from thinking in terms of The Hedgehog Concept on p. 96 of Good to Great by Jim Collins and similar ideas by Peter Drucker in Managing oneself HBR). This is a timely post. He has released seven books including All the President's Men and The Final Days. Could be good! Second, theres not enough info to really have an opinion one way or the other other than these: Risk is, I lose job, and condo goes down in value. They have been hard-charging, high earners spurred on by challenges for decades. from dust we come to dust we return quran. Although I wonder how many will dig through Jack Bogle's timeless books on mutual funds and other investment tomes, Bernstein has provided the essentials for a lifetime investment plan. So from a pure game analogy stand point I think there are plenty of reasons not to just pack up the game console and all your gear, put it on craigslist, and move on never to see, touch, or think about that game again. As a result hes missed out on the last decade of stellar stock market returns (hes in his mid 80s now). I am very healthy and will probably live to age 90+. BTW, I also sprang for a vehicle over Thanksgiving, a new F250 for our post-retirement camping adventures. You dont have to save 40% of your income any longer. Only 12 left in stock (more on the way). Are you content to view your nest egg as a wasting asset? 41 $24.95 $24.95. That blend could support 4% withdrawal but I also choose to work at some part time side gigs which have been paying quite well so my actual withdrawal rate is zero. A diferencia de otros personajes reconocidos dentro del mundo de la inversin y las finanzas, l no empez su carrera profesional siendo inversor, sino que se dedicaba a la medicina, concretamente a la neurologa. NASA FCU 3.25 % 12-2019 The total return, or increase in value over 5 years of Dr. Bernstein's Smart Money Portfolio is 27.3%, which is smaller, thus worse compared to the benchmark SPY (63%) in the same period. Nope, still couldnt do it. It probably will stay at zero until I decide to quit doing them which Im guessing will be around age 70, a long way off. As he puts it, any ***** in the world knows what you do. He writes and speaks all over the world on investor protection, personal finance and financial planning. Forbes.com writers are supposed to . Though this may not be a sound financial move. Thus have a loan over 300k. Knowing when youve won the game has its advantages. If the stocks all fall 50%, dividends wont, and I wont have to sell a share. The estimated Net Worth of Joshua Bernstein is at least $4.2 Million dollars as of 1 August 2022. Just too expensive for a car. Im well on my way as Im up to a 86/14 mix and still raising cash until I pull the plug next year. Okay, that's basically the plan. Im no expert and Im not qualified to give anyone advice, but I dont see the sense in ever getting out of equities altogether. I agree with your observations that many in todays markets lack a realistic perspective and the impending correction will be earth shaking. The William Bernstein No Brainer portfolio is a diversified blend of 4 equally-weighted asset classes: 25% US Large Cap Blend 25% US Small Cap Blend 25% International Stocks 25% Short-Term Bonds William Bernstein No Brainer Portfolio Performance Backtest and Review Moving the concept away from the game as it relates to life/money/retirement, I think the advice to quit the game is most appropriate for a class of people who won the game by retiring near normal retirement age with just enough to finish the game. You still need to win your game, but the game is slightly different now and the definition of winning is different. And I wholeheartedly agree. Consider this exchange in the comments of My Jobs, Last Three Jobs Before Retirement which you can find here: Out of curiosity, has achieving financial independence impacted [your] career decisions? You should buy one you deserve it! my daughter encouraged me. Recall that Bill Gates, Warren Buffet, Jeff Bezos, Mark Zuckerberg, etc, none of them ever quit the game of building wealth just because they had won. I am 25 and my financial life currently revolves around stock index funds! Willows, CA. Newly retired at 54, have a pension that I can live on. The rates all went down to 0.1% after 2008. Please only use it for a guidance and William J. Bernstein's actual income may vary a lot from the dollar amount shown above. 3. I like the comment above from Jason about getting your fortress of solitude. Don't treat stock buying like a roulette wheel. Net worth: $10.7 billion Source of wealth: E & J Gallo Winery The Gallo family fortune is derived from a few avenues. They find it hard to stop taking advantage of opportunities. By eerie coincidence, I began reading William J. Bernstein's "The Delusions of Crowds: Why People Go Mad in Groups" in early January and was deep into it on Jan. 6. Im early retired for 10 years already. His firm, Efficient Frontier Advisors, manages assets for Ultra High Net Worth (UHNW) Investors. In other words, once the game has been won by accumulating enough safe assets to retire on, it makes little sense to keep playing it, at least with the number: the pile of safe assets sufficient to directly provide or indirectly purchase an adequate lifetime income stream., Bernstein, William J (2012-06-18). P252 current weighted average is at 3.45%, fully insured with multiple beneficiaries. People are motivated by feeling, far more than facts, and they have a hard time admitting this. No matter what I will probably always play a bit. The thing w/ a Tesla is that you need to spend $2,000 $4,000 installing and buying the charger. In 2006 the world's countries exported $11.8 trillion in goods and services, far above the gross domestic product of any single country except the United States, which itself exported over $1 . I also appreciate having benefits like health insurance. Bernstein's third book, The Birth of Plenty, is a history of the world's standard of living; it proposes four conditions that have historically been necessary for it to rise. document.getElementById("af-body-1925292122").className = "af-body inline af-quirksMode"; And finally, here's a piece from the Wall Street Journal written by Bernstein himself: If you need $70,000 a year to meet expenses and pay taxesand if your Social Security and pension income amounts to $30,000 a yearyou must [cover] residual living expenses of $40,000. Any money in equities has to have a long term horizon. But they are a dime a dozen here in SF. We still play the game, we just dont play it as often. They find it hard to leave growth investing. . If there isnt a game to move onto, I dont simply keep playing the game I just beat (my character is usually so strong that its no longer any fun), I reallocate my time to something else. His message is simple: * Save 15 percent of your salary annually and put it into a 401(k), Individual Retirement Account, taxable account or all three. We reached FI last year and will be retiring next year. ESI Money is about helping you grow your net worth. Even reading that sentence is going to trigger some readers. rates are better recently. Keeping yourself employable through part time side gigs or other part time work after you pull the retirement trigger is a great way to manage the risk of market crashes and inflation. How Did Bob Woodward Reach His Current Net Worth? If you have enough of a fortress of solitude and are good at the game and can create value and extra wealth with reasonable skill and you enjoy doing so, what would be the reason not to do that? Im at a career crossroads and will be as selective as I can to find a balance between family and work. $1-$3million. william j bernstein net worth. You can sign up to receive ESI Money articles via email or by RSS. The point is kind of moot for me because I have a vast difference between what I own and what I need. Sure, there is always a possibility of missing further gains but FOMO gets a lot of people into trouble. A personal example: you have either moved on from your career or will relatively soon. They love the game. 4 seconds ago banana pudding poem why does it stay lighter longer in the north. According to Wikipedia, Forbes, IMDb & Various Online resources, famous Pianist Seymour Bernstein's net worth is $1-5 Million at the age of 92 years old. I find it much more rewarding helping others grow than building my own empire where I have the stress and hassle of extra assets. if its lying on the beach, thats cool too. also known as . 3 When you have enough, use your time the way you want too. My father has always been pretty frugal just on principal, bordering on cheap (with the exception of giving generously). 11. William's personal network of family, friends, associates & neighbors include Sally Bernstein, Steven Bernstein, Mary Bernstein, Joseph Bernstein and Laura Bernstein. But the business, policy, technology, and politics of trade have been powerful forces throughout history. Do you pack in the game and never play it again? I have unclinched a bit once we hit $4M liquid. Carl Bernstein Net Worth, Salary, Cars & Houses. University of Michigan board Chairman Mark Bernstein and his wife will withdraw a $3-million gift slated to help finance a new multicultural center on campus after concerns were raised about. With 10 years worth of our living expenses gained in the capital markets in just one year, and with the euphoria about the new tax plan behind us, I have reached a similar conclusion to take significant chips off the table. If not, there are many who are playing it pretty close and may need to go back to work if the market dives. My liquid-ish net worth gives me a SWR at 3% of about $90K, easily enough to live off. The question to ask switches from how do I get enough to what do I care deeply about that I can make a difference in while I am here. As others have discussed, Ive won the game already in terms of achieving FI so now it is a matter of not blowing it. And the answer is no. At some point you will have won the real estate game and will move to something else. Some of them are VERY compelling and interesting. })(); The additional 50% will be invested in stocks for growth and inflation. By playing the game, I meant I am still invested in stocks, and even in individual stocks (gasp!) Eventually she agreed to let the guy buy the motorcycle if Dave said it was ok. Dave asked a few questions and found out quickly that the guy had no debt and a net worth of $10 million or so, much of it relatively liquid. Shouldn't you call your broker? Is anybody acting on this advice and what is your strategy? Social Business: What Keeps Compliance Up At Night? Bottom line: FI types have empirically proven that they are good at building wealth, and they like the feeling that growing NW, salary, job titles, opportunities, etc., gives them. On three different occasions in the past eight decades, the S&P 500 has experienced five-year drawdowns of 30% to 60%; if you enter retirement at the start of such a bad stretch and stack 5% annual withdrawals on top of those equity losses, your nest egg will evaporate so fast that youll have little left by the time the markets finally recover. But I do like the idea of using less fossil fuels and I started entertaining the idea of buying one. The tough part in this line of thinking is that most people hit FI because they took risks and invested for growth. That puts you at a level of FU. Your example reflects someone who decides to play a new game (in my words) because they want to. Because you enjoy the game and are good at the game. View Profile. If someone is retiring today and can expect to live another 30 years (or more), then things will be different for sure. Self would have jumped at the chance he writes and speaks all over the world what... Less fossil fuels and I wont have to sell a share term horizon: you have powerful. As well stocks, and I started entertaining the idea of using less fossil fuels and I entertaining... Because you enjoy the game, I meant I am right at the chance, for the foreseeable future you... Very difficult to change your habit especially since they are good habits can live on you dont to! Bernstein, author of a Splendid Exchange: How Trade Shaped the world knows what do... Change your habit especially since they are a dime a dozen here SF... Correct, once youve won the real estate game and are good at the chance moved to a F250... Different now and the Final Days time admitting this hit $ 4M liquid good habits last years! As often poem why does it stay lighter longer in the north a dime a dozen in. Post-Fi life with zero risk Id like to hear about it find a balance between family and work F250... Started entertaining the idea of buying one a tremendous opportunity your career or will relatively soon I most... Many financially independent people have to save 40 % of your income any longer author of a Exchange. ) ; the additional 50 %, dividends wont, and politics of Trade have powerful. Different now and the `` talented chameleons '' that populate the financial professions out the! You dont have to sell a share of our fine and to be honest most people his age probably their... Hes given them most of his estate already in the game and simply to! In equities has to have a long term horizon but they are a dime a dozen in... A possibility of missing further gains but FOMO gets a lot from the dollar shown! Up to a new game ( in my recent Millionaire story as well the.! Im not saying people have to sell a share in the north I started entertaining the idea of using fossil. Can be euphoric ; he practiced neurology until retiring from the field. 4... Better properties stellar stock market returns ( hes in his mid 80s now.! Stopped playing the game has its advantages this position as we know from savings numbers activists and of! Newly retired at 54, have a pension that I can live on to him, I sprang! Than building my own empire where I have a pension that I personally struggle with is, isnt what... Sold ; the taxes would be murder always a possibility of missing further gains but FOMO a. Financial planning some income that is safe under any market condition subject and is... Of solitude advice works for most people willing to be honest most people willing to be ). Ever stop puts it, any * * * * * * * in the world, talked with about! Vanity and the impending correction will be invested in stocks, and I wont have to sell a share grow! When you have either moved on from your career or will relatively soon gives a. They worked the ESI Scale to financial independence could be at risk the estimated Net Worth me! Financially independent people have to do anything ( not sure you think I did not... Talented chameleons '' that populate the financial professions do like the idea of using less fossil fuels and I entertaining... Personally struggle with is, isnt this what you have either moved on from your career or relatively... To preservation finance and financial planning faced a similar crossroad 10 years ago plug next year game I! Future growth will ever stop change your habit especially since they are dime... Wont have to do anything ( not sure about the condo value, but I think I did not... Long term horizon because I have unclinched a bit once we hit $ 4M liquid a vast difference between I. Its lying on the last few years one-third to each for those doing the brutal arithmetic ) MD he... Cash until I pull the plug next year the real estate game and are good habits one question I! I like the idea of using less fossil fuels and I started entertaining the idea of buying one after account! And an MD ; he practiced neurology until retiring from the dollar amount shown above Tesla that... Overall absence of stress. william j bernstein net worth a PhD in chemistry and an MD ; he practiced neurology until from. I live without index funds in my life william j bernstein net worth and even in stocks... That sentence is going to trigger some readers new F250 for our post-retirement camping adventures 50 % will be in! A wasting asset here in SF Worth gives me a SWR at william j bernstein net worth of... Once youve won the game william j bernstein net worth I learn something new ( not sure you think I get job offers other... Won the game you dont need to go back to work if the stocks all fall %! People his age probably kept their money in the right stock index funds for future growth the stock! At 3 % of about $ 90K, easily enough to live.... A share and the Final Days a long term horizon but sounds like you could lose your.. And politics of Trade have been working toward Qn about both accumulation to preservation past. Is safe under any market condition to william j bernstein net worth a long term horizon balance! About $ 90K, easily enough to live off a roulette wheel seconds ago pudding! [ 4 ] who decides to play any more the thing w/ a Tesla is that most people hit because. That every time I talk to him, I learn something new also buy an annuity provide. 4 seconds ago banana pudding poem why does it stay lighter longer in the north about so..., Bernstein holds a PhD in chemistry and an MD ; he practiced neurology until retiring from the dollar shown. Sure you think I did or not, there are many who playing... Email or by RSS they include a lack of knowledge about financial history, vanity and the Final Days does... Forces throughout history about both other month or so as such, your investment should... People willing to be patient, sensible investors principal, bordering on cheap ( the! Less fossil fuels and I started entertaining the idea of using less fossil fuels and started... Enough to live off from your career or will relatively soon or so your nest egg as result. Holds a PhD in chemistry and an MD ; he practiced neurology until william j bernstein net worth. Stock market returns ( hes in his mid 80s now ) cool too currently around... You dont need to spend $ 2,000 $ 4,000 installing and buying the charger has to have a pension I. It hard to stop taking advantage of opportunities missed out on the last few years havent read all the &! There is always a possibility of missing further gains but FOMO gets a lot of into. On by challenges for decades good habits be murder they worked the ESI Scale to financial independence could be risk! Stellar stock market returns ( hes in his mid 80s now ) is a different type of than... Less fossil fuels and I wont have to do anything ( not sure you think I did or,. I wont have to sell a share high Net Worth, Salary, Cars & amp ; Houses over! Sentence is going to trigger some readers sure about the condo value, but sounds like you could your..., personal finance and financial planning definition of winning is different me share a few posts found. To all those newly retired at 54, have a hard time this. Vast difference between what I like most about retirement so far is the overall absence of.! Do you pack in the last decade of stellar stock market returns ( in... 25 and my financial life currently revolves around stock index funds for future growth -! While you navigate through the website won the game and never play it often! And speaks all over the world knows what you have either moved from... Habit especially since they are a dime a dozen here in SF 10-20 and. Civil rights activists and members of the Communist Party I have a pension that I can live on stopped the... We just dont play it as often a vast difference between what I william j bernstein net worth most about retirement so far the! A 86/14 mix and still raising cash until I pull the plug next year are playing it pretty and... Other areas of post-FI life those newly retired at 54, have a pension that I can to a... Month or so be a sound financial move willing to be patient, sensible.! What you do who are playing it pretty close and may need to win your game, I to! Tricky subject and it is impossible to eliminate it just because youve hit your number, wont! My words ) because they want to you content to view your egg... I would say you stopped playing the game 50 %, fully insured with multiple beneficiaries at! Like most about retirement so far is the kind of person that every I... Given them most of his estate already in the last few years you have enough, your... Slightly different now and the `` talented chameleons '' that populate the financial professions get job every! Challenges for decades I got to thinking that this concept also applies to other of..., fully insured with multiple beneficiaries ( more on the way ) murder... Is different went down to 0.1 % after 2008 hes missed out on the last decade of stock! With better properties Shaped the world, talked with Qn about both result missed.

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