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walamaking

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It is scary to think about 1) how much control CBP officers have over the fates of people entering the country especially on non-citizen statuses, and 2) how little they know about the rules affecting the latter.

E.g. I've heard of CBP officers not knowing that Canadians don't need to get a visa to enter the US. Also heard of CBP officers not knowing what "Massachusetts Institute of Technology" was on a student's F-1, and had to ask around to confirm that it was a legitimate school. And many more.

Your experiences closely reflect mine for GCP. Some of the tools, although amazing in and of itself, often have some minor flaw that makes the user experience extremely inconvenient when you encounter it many times. The simplicity of the inconvenience only exaggerates the frustration.

Have you ever voted before? Assume 10 questions per company. Exposure to S&P 500 would mean 5,000 questions to answer. I don't know what the general stats are, but some proxies I've seen have 20+ questions.

Now, you will most likely be uninformed about most of the decisions that need to be made, which lead to your 2nd point about default options suggested by the index fund manager. But that just circles back to Bogle's points in the article. Also, with index fund costs at rock bottoms, good luck getting quality research into your voting options.