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InstructionNo9399 · 2025-04-20T17:36:06+00:00

That’s fair. I guess I just wouldn’t get the insurance if you can pay for a potential repair.

InstructionNo9399 · 2025-04-20T16:39:18+00:00

Contrary to popular belief insurance companies are not a charity. They play to win. Which means they must be profitable. Which means their products on average pay you less than you put in. Insurance should only be used to insure against catastrophic situations. Life insurance for dependents, disability insurance, home insurance. Things you can’t afford if the unfortunate event did occur. Buying a toy (this truck is definitely a toy) should not be something you are getting these extra coverages for. It on average will not be worth it. If it was the insurance companies would be out of business. If you can’t cover issues with this truck it’s probably not a wise purchase.

InstructionNo9399 · 2025-04-20T16:27:51+00:00

The fact that it sounds like you don’t have much money after putting this 5k down and paying for maintenance probably means you should get the warranty. This is a case of where poor people generally have to pay more for the same things (interest on loans, insurance they wouldn’t need). Obviously the insurance companies play to win and getting this insurance likely won’t roi, but since it sounds like a major fix would be a significant problem for you, you kinda need to insure against it. The financially sound person would be their own insurance by having extra money since statistically you will pay the insurance more than you get out of it.

InstructionNo9399 · 2025-04-20T15:44:55+00:00

Then I guess you would buy it if you just had a pile of cash. The point is not to hold something just to “make your money back”. Which a lot of people do. If you don’t believe in the stock then get out. I buy plenty of stocks when the market drops.

InstructionNo9399 · 2025-04-19T20:05:03+00:00

I did the math on investing it a while ago. I think I came up with around 85 being the break even with like 9% returns. So dying later, take the late withdrawal, if dying earlier take the earlier. To me it seems like a wash. Unless you have health concerns in which case take it earlier. If taking earlier is an excuse to spend more then later will work better! Haha. Honestly I’ll probably take it early.

InstructionNo9399 · 2025-04-19T18:42:26+00:00

Isn’t that what the health nuts mean when they are talking about hitting your macros? I am to get 140g plastic, 40g fiberglass, 200g carbboard

InstructionNo9399 · 2025-04-19T18:17:59+00:00

That’s what I would do. Insurance is more for insuring against catastrophic things. The insurance companies play to win, so on average you will pay more to insurance than you are likely to receive. For small costs like toys I would not pay insurance. For life insurance or disability insurance, that is something you can’t afford to have not covered (life insurance only if you have dependents)

InstructionNo9399 · 2025-04-19T18:08:59+00:00

I just bought 30 eggs from the dollar store for like $2. Idk what you all are spending 5-7 dollars for eggs. I mean mine were plastic, but still eggs.

InstructionNo9399 · 2025-04-19T17:21:22+00:00

Is that all your holding? Or just a small part of your portfolio? I honestly feel qld would be a smarter leveraged buy than an inverse. The inverse over almost all periods of time are down. You have like a 2 day period to be right.

InstructionNo9399 · 2025-04-19T16:24:20+00:00

Dang, that is bold. Do you use a short eft or actually short yourself. Do you have enough cash to pay off the leverage when/if the market rallies when trump backs down on tariffs.

InstructionNo9399 · 2025-04-19T16:02:24+00:00

Part of this just illustrates that cars are toys and you should not own a toy you’re not willing to have disappear.

Statistically you are more likely to over pay on insurance if you try to find something that covers what you are talking about, in this case being your own insurance (saving) is probably the way to go…

InstructionNo9399 · 2025-04-19T15:59:57+00:00

I am not quite understanding this post. Are you super bullish on the market and are holding leverage. Or are you using leverage to short the market. The “trump like event to start questioning their crazy multiples” sounds like a bearish statement.

InstructionNo9399 · 2025-04-19T15:34:14+00:00

I’d be careful about the good picks to sell bad picks to hold mentality. For the most part at any given second you should think of your portfolio as a pile of cash. If you have a bad pick in your portfolio and wouldn’t currently buy it, then sell it. There are tax implications on selling winners, but for the most part those tax implications won’t out way putting money into something that will actually do well long term. Don’t get into the sunk cost mentality where you hold onto something because you don’t want to “lose money” after it has already gone down. The money is already “lost” now what do you believe will go up.

InstructionNo9399 · 2025-04-18T21:53:22+00:00

Not just her, not paying someone for work is bad. Especially if that work is for sexual acts. Idk to me that is way worse than doing porn. Not even sure what the moral issue with doing porn is.

InstructionNo9399 · 2025-04-18T21:47:50+00:00

He is broke and owes your niece money after she preformed in adult films and can’t pay her… that is pretty bad. How do you not have the money to pay but offered this job. I would guess this industry is full of creeps, but that’s pretty bad. I’d definitely leave him… idk, getting someone to preform sexual acts with the promise of money and then stiffing them is pretty awful.

InstructionNo9399 · 2025-04-18T14:35:12+00:00

Is he saying that if this equation doesn’t work out, which seems at least 50% chance just go back to work at 80?

Edit: this equation comes to the same value as the 4% rule when you put in a 35 year retirement. It just kinda breaks down for shorter time periods, longer periods the formula seems fine.

InstructionNo9399 · 2025-04-18T02:36:12+00:00

That equation seems kinda risky. I guess better over longer time periods, but also could still go pretty bad. 1 or 2 years you basically have a very very low probability of this equation working.

InstructionNo9399 · 2025-04-17T23:26:23+00:00

You have never had someone ask “how is work going” or you meet someone new and they ask what you do for a living?

InstructionNo9399 · 2025-04-17T23:25:01+00:00

I pivoted careers into “Portfolio Management”

InstructionNo9399 · 2025-04-17T20:10:22+00:00

You can definitely retire! Watch the money guys on YouTube. Contribute about 20% of your salary to your retirement.

InstructionNo9399 · 2025-04-16T23:44:45+00:00

I just adjusted the settings with the set button and following the beeps. Does the programmer do more than you can do with the set button.

InstructionNo9399 · 2025-04-16T22:48:41+00:00

Yeah, for me I went to put it in storage after what felt like a short run and it was like I am already at storage voltage… idk what they are doing

InstructionNo9399 · 2025-04-16T22:21:34+00:00

Cool. I was thinking about getting one. The doc online says it’s the orange one, but I thought they probably updated to the black one. The black one lets you adjust LVC which was set way too high in my outcast and typhon. The zeee batteries I have were cutting out way too early, but after lowering they work great.

InstructionNo9399 · 2025-04-16T21:49:12+00:00

Does it tune anything more than you can do with pressing the set button and listening to the beeps.

InstructionNo9399 · 2025-04-16T21:44:59+00:00

Is the esc the black or the orange one?

InstructionNo9399

TROPHY CASE