bod312

Quick google search shows State Farm's advertising budget is >$1B each of the last few years. They also doubled exec pay from 2019 to 2020 and continued increasing it after 2020. From my experience and talking to others most of these insurance companies seem to low ball their customers for cla...

[quote]meansonny[/quote] In a thread with a lot of bad replies this may be the worst, congrats. Nothing you typed is relevant to the actual situation in the OP. ...

[quote]Only 6% down from what he paid is a VERY good offer considering the moment you drive the car off lot it's a used vehicle and typically plummets the value of it.[/quote] [quote]If you bought a $35k new Subaru, drove it off lot, put it through 300 miles and a tank of gas in 2 weeks and decid...

Why is that more realistic? If I buy an index fund it is following the index and dropping the losers and adding the winners just as the index. Why would the assumption be that you buy a single snapshot of the SP500 and it never changes? ...

[quote]You have to answer the question, what is a pension worth?[/quote] [quote]So, using my example above, if you figure out how much money I'd have to have in the bank with a year in and year out average for that investment (probably 1.5% / yr) and treat the $5200 / month as a dividend, the amo...

[quote]What’s funny about these answers is that a lot of y’all think “stock picking” and timing the market work. Too much data and research to the contrary.[/quote] Exactly in general over the long run they aren't going to beat the market (they even tell you that is not their job/goal). A co...

[quote]And before anyone says I'm insane... what I have proposed is basically a more accountable form of TOPS.[/quote] Meh, I don't necessarily think it should just be free if you basically graduate. It would likely also cause such high demand for the state schools that admission standards would...

[quote]Well, the day will come when when run out of oil.[/quote] When do you think that will be happening? The government might make it extremely prohibitive but in reality we are a long long way from running out of oil. We do need to come up with a new technology but this isn't like a dire eme...

[quote]I absolutely do not count RSUs in my net worth calculations. It's figurative cash until it vests.[/quote] You aren't wrong but a similar thought process could be applied to normal stocks. They are just numbers on a screen until you actually sell. Stocks can be very volatile and thus your...

[quote]At present, credit card debt in the US is up to Almost 1 trillion. Alltime high.[/quote] This also includes the balances that are paid off in full every single month. Since this includes that "debt" which most here wouldn't even consider debt, the 20% interest rate doesn't apply to that f...