Knowledge, not advice
Kalman will never tell you to buy or sell anything.
It shows what happened and what it touches. What to do about it is yours to decide, every time.
Why the line is drawn so hard
Two reasons, and both matter.
The legal one. Telling people what to do with their money is a licensed activity in most countries, including Israel. A platform that drifts into it is breaking the law, whatever it calls itself.
The honest one, which matters more. Nothing here knows your life. It does not know what you are saving for, what you are afraid of, what you owe your family, or when you plan to stop working. A recommendation from something that knows none of that is not worth having — and the confident tone would make it worse, not better.
What that looks like in practice
- You will see
- “This headline is about a company you hold.” “Cash with no job attached is now ₪62,000.” “That is 34% of everything you own, and if it halved you would be 17% poorer.”
- You will never see
- “You should sell.” “This is a good time to buy.” “Your position is too risky.” “Consider moving this money.”
The difference is not politeness. The first is arithmetic about your own money. The second is an opinion about your life.
Where it gets closest to the line
Before you act. When something alarming reaches your inbox, Kalman shows a short panel of facts about your own money — the purpose you gave that holding, what you wrote last time, how long you have held it. It argues nothing. It puts back in front of you what you already knew and may have stopped holding in mind.
Asking about your numbers. It answers only from your own records, shows the rows it added up, and says “I do not know” rather than inventing a number. It answers about the past and the present. It does not predict.
Your own rules. When a line you drew is crossed, it says the number and stops. It has no opinion on whether the line was in the right place.
If you want advice
Ask somebody licensed to give it — an investment adviser, an accountant, a lawyer. Take these figures with you. Having them in one place, with their history intact, is exactly what makes that conversation a short one.