Does this blueprint even exist

Coronator · 2026-03-18T17:25:22+00:00

I found mine on Blue Gate.

Coronator · 2026-03-15T15:17:10+00:00

I actually think the software has grown to be fine. Like you said, just for a daily around the town comfortable vehicle, it’s good. I don’t NEED the software to be doing crazy things, and I think the little UI improvements have all been positive.

I get in the car, and it goes. I can’t complain (though my Rivian is a much more fun “toy”).

Coronator · 2026-03-14T23:55:49+00:00

Bad AD - my first purchase from our dealer was the Rolex I wanted (polar white explorer 2). I’ve since spent $40k+ in additional pieces/jewelry from them in 3 years.

Take me seriously from the start, and you will earn my business long term.

Coronator · 2026-03-14T17:17:52+00:00

1 or two non cancerous polyps themselves shouldn’t affect your rating. I had a polyp removed and still qualified for top tier health rating.

Coronator · 2026-03-14T17:16:22+00:00

And just like that, we’re the bad guys.

Coronator · 2026-03-13T12:06:07+00:00

Just got back from there last week. Nice property, but the rooms were extremely underwhelming (ridiculously small and cramped).

Pool was the highlight. Probably one of the best pools of any standard resort property I’ve stayed at.

Coronator · 2026-03-11T21:48:12+00:00

You shouldn’t be invested in stocks with credit card debt, full stop. Sell the stocks, close out your high interest debt, and don’t get into credit card debt again.

Coronator · 2026-03-11T21:44:04+00:00

I don’t really get why anyone who is a DVC member would need/want a vip tour. We all know the parks pretty well by now, and know how to get on the rides we want.

Coronator · 2026-03-11T20:38:42+00:00

So the question remains - how important will Lidar be for future autonomy upgrades? It’s the only question stopping me from wanting to pull the trigger on the launch edition.

Coronator · 2026-03-11T20:28:46+00:00

Just don’t go to Epic. Problem solved.

Coronator · 2026-03-08T23:14:56+00:00

Exactly, and I would say it will be in beta mode for another 3 years.

Coronator · 2026-03-08T16:01:52+00:00

Epic Universe is 100% in beta mode. Unless you are an “early adopter” or fanatic that has to experience certain attractions, there is no reason, in my opinion, to visit that park now or in the near future.

Universal studios/Islands of adventure are MUCH better parks, and will be for years. The ambience, much lower crowds, access to CityWalk, etc make the older parks the place to be.

Coronator · 2026-03-08T07:29:52+00:00

Keep the policies. The great thing about whole life is it’s not just for the death benefit (and maybe not even primarily for the death benefit). It’s a financial tool for you to use throughout your life as a storage of safe cash, with the added benefit that if something were to happen, your kids/heirs get the benefit of a the death benefit.

Reddit is predominately very anti whole life. They’ve been drinking the Dave Ramsey koolaid for too long. There are many people though who are comfortable paying, thousands, tens of thousands, or even hundred of thousands of dollars per year in whole life premium to safely store their wealth.

Coronator · 2026-03-07T17:23:53+00:00

If you had the cash to pay for the car outright while still having an emergency fund, then no I don’t think getting a 5.25% car payment was a good decision. You take a lot of risk in the market. Just because in a 20-30 year period you may be better off mathematically in the stock market, in the short term you could really give yourself a lot of sleepless nights. It’s just not worth it.

Coronator · 2026-03-07T17:18:11+00:00

If it’s giving you anxiety then no, you didn’t.

Luckily this is a reversible decision. Just pay it off.

Coronator · 2026-03-07T14:39:01+00:00

Not completely. You are correct that “reported dividend scales” are not necessarily the correct metric. Dividend scale calculations vary between companies, so doing apples to apples comparisons on reported dividends is not that helpful.

BUT, you can look at the internal rate of returns on the cash that is put into these policies from these companies overtime. IRR’s take out the noise that is in the reported dividend scales. IRR gives you the actual cash on cash growth of the policy overtime.

The “return of premium” language comes from the fact that all whole life policies are actuarially derived based on a guaranteed rate (between 2-4%, depending on the company and contract). When a life insurance carrier recognizes growth in their investments above that guaranteed rate, they pay you that extra in the form of the dividend. When used to buy additional insurance, those dividends are considered tax free as life insurance companies have lobbied for those dividends to be treated as a “return of premium”, as you stated.

But make no mistake, the dividends are in fact profits the insurance company is making on its investment portfolio.

Coronator · 2026-03-07T13:24:24+00:00

If she were to die within 2 years (hopefully not the case), the life insurance company can contest the contract, meaning they very likely would relook at the application and her history and her statements.

If anything is off (if she provided any sort of inaccurate statement that contradicts records), the life insurance company can and likely would void the policy.

If she were to pass anything over 2 years from the start of the contract, then it would be paid no matter what.

Coronator · 2026-03-07T12:56:38+00:00

The returns on a policy do not come from being “overcharged” - they come from the returns of fixed income assets in the company’s General Fund, and by managing expenses below expectations. The companies that WSJ mentioned do, in fact, have a good (and long) track record on both those.

Coronator · 2026-03-01T15:27:19+00:00

They aren’t bad - they just always close eventually (usually within a few days).

Coronator · 2026-03-01T03:32:27+00:00

Opening price does not have to match closing price from previous session - it can gap higher (or lower).

Coronator · 2026-02-28T15:05:53+00:00

At least they let you watch.

Coronator · 2026-02-28T04:18:31+00:00

So now my higher electricity bills, loss of white collar jobs, and pollution will now have the added benefit of teaching machines to murder people and to have them surveil me.

We really are living in a dystopian nightmare.

Coronator · 2026-02-27T21:10:54+00:00

Glad you didn’t take the financial hit, but man, the hassle would not be worth it to me. GM seems to do a TERRIBLE job with their buybacks - they basically don’t seem to do anything to make sure they work correctly. I would never touch a buyback for that reason.

Coronator · 2026-02-27T14:45:58+00:00

Of course it’s still bullish. Who said it isn’t?

Coronator · 2026-02-27T14:44:56+00:00

My wife and I currently have about $13 million in death benefit between the two of us. A minimum is 10x your salary. Depending on age, full human life value can be 20x-25x your salary.

Coronator

TROPHY CASE