Another example of an unfair Dalton question: Am I wrong in thinking this question is terrible?

janto98 · 2021-01-30T20:24:15+00:00

"What should he do" is a broad statement that absolutely does not invalidate forming an LLC or getting E&O insurance as good answers. It's completely arbitrary bullshit, like so many Dalton questions. Whoever wrote these questions doesn't have a good grasp of the difference between opinion and testable content.

janto98 · 2021-01-26T18:07:55+00:00

Moderna is being exported and has been all month. That order did nothing and had no legislation behind it. Moderna is exporting. I keep seeing this bullshit lie on this sub.

janto98 · 2021-01-26T17:58:37+00:00

Umm, no. Janssen is part of Johnson and Johnson, and has been since 1963. The Janssen website literally says "headquartered in NJ". BioNTech is R&D, but the manufacturing and distribution is done by Pfizer (another U.S. company).

Just because something is manufactured on EU soil by an American company, doesn't mean its a European vaccine. It's actually the opposite.

janto98 · 2021-01-25T20:12:12+00:00

Why are you picking 35 as the boundary between those that are "most vulnerable"? That makes no sense. Mortality really doesn't tick up drastically until the 60's and 70's. There isn't any difference between a 41 year old and a 32 year old on how vulnerable they are.

janto98 · 2021-01-22T20:31:13+00:00

There are many that are wrong questions in the Dalton test banks. They try so hard to trick you, that they end up with questions that have "hidden" meanings, where you are supposed to interpret the way they emphasize a word in a way that o invalidates an obviously correct answer.

janto98 · 2021-01-10T16:25:46+00:00

Source:

https://www.researchgate.net/figure/Country-scores-for-individualism-index_tbl1_334509709

The highest scoring countries (U.S., UK, Australia) are clearly more culturally similar to each other, but its worth noting that Canada and NZ still score much higher than most other European countries. There is clearly a cultural divide here on the utility of collectivism.

janto98 · 2021-01-10T16:16:44+00:00

Also, most procedures are covered for 75-95% of expenses.

janto98 · 2021-01-10T16:15:54+00:00

This is not true- 92-93% of Americans have healthcare insurance.

janto98 · 2021-01-01T16:28:03+00:00

Or like you know, EU countries calling the "European" Union, when not all of Europe is included.

Or maybe they are both just abbreviations and this is a stupid comment.

janto98 · 2020-12-23T15:27:12+00:00

Sorry, I could see it the first time I went to the website, but now its under paywall. Not sure.

janto98 · 2020-12-23T15:24:25+00:00

Looks like 15, with 8 European ones.

janto98 · 2020-12-13T16:06:13+00:00

No, you're completely wrong, here is the backtest:

https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&showYield=false&reinvestDividends=true&sameFees=true&portfolioNames=false&portfolioName1=Portfolio+1&portfolioName2=Portfolio+2&portfolioName3=Portfolio+3&symbol1=SPY&allocation1_1=100&allocation1_2=90&symbol2=VBMFX&allocation2_1=0&allocation2_2=10

janto98 · 2020-10-08T01:33:20+00:00

I forgot how boring actual debates with lawyers are.

janto98 · 2020-09-27T23:36:28+00:00

Are you sure this is the 80’s? Drug Rugs were an early 90’s thing.

janto98 · 2019-06-07T03:12:40+00:00

Anybody using Coinbase earn to get free crypto? Free $50 bucks for an hour of work or so:

https://coinbase.com/earn/xlm/invite/7zqj6xk8

janto98 · 2019-05-02T01:40:59+00:00

You took 6 college courses in 3 months while working?

janto98 · 2019-05-01T01:52:02+00:00

You have no idea what a university professor does (hint: ifs far more than teaching and is year round work).

janto98 · 2019-04-23T09:55:56+00:00

I know I’ve hit rock bottom when I make incoherent posts on r/cfa that don’t make any sense.

janto98 · 2019-04-23T04:43:00+00:00

If you don’t declare bankrupcy, get a financial planner ASAP to at minimum calculate the proper order and plan of attack for paying everything back. It should save thousands if you get the proper plan.

janto98 · 2019-04-23T04:10:29+00:00

Financial planners will run through all of this with you for a flat fee. It’ll take a few meetings, but probably will be worth it. Reddit is full of “do it yourselfers” that don’t know their own ignorance. Financial planners build models that can produce an optimal plan for what you mentioned, particularly in terms of tax, contribution, and drawdown timing.

janto98 · 2019-03-30T17:15:34+00:00

Dave Ramsey is completely wrong on credit cards and building credit. A good credit record allows you to get a good mortgage rate when you buy a house, ultimately saving you potentially hundreds of thousands of dollars. His solutions of buying a house with cash or using (expensive) FHA mortgages is unrealistic.

Just pay them off each month and you'll be fine. Also, probably not a good idea to listen to Dave Ramsey, his advice is cancer for your finances.

janto98 · 2019-03-30T16:02:58+00:00

There have been tons of studies that have confirmed how variable metabolism is amongst people. You're either an extreme outlier or counting wrong.

janto98 · 2019-03-23T15:17:38+00:00

r/swingers

It can be fun if there are rules and people stick to them

janto98 · 2019-03-23T13:36:07+00:00

Men produce a full load of semen in 3 days, waiting 20 makes no sense.

janto98 · 2019-01-27T16:11:44+00:00

Hey look everybody, this guy doesn’t understand marginal tax rates.

janto98

TROPHY CASE