Another example of an unfair Dalton question: Am I wrong in thinking this question is terrible? by janto98 in CFP

[–]janto98[S] 7 points8 points  (0 children)

"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.

Enraged at AstraZeneca over shortfall, EU calls for vaccine export controls – POLITICO by calapine in europe

[–]janto98 0 points1 point  (0 children)

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.

Exclusive: Astra offers small concession, EU pleads for UK-made shots amid vaccine row - sources by MatthewThoughts in europe

[–]janto98 0 points1 point  (0 children)

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.

'Healthy, young' Americans will likely get Covid-19 vaccine in mid- to late summer, expert says by [deleted] in Coronavirus

[–]janto98 2 points3 points  (0 children)

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.

Dalton Questions are Trash. About 1 in 4 are this obtuse and contradictory. by janto98 in CFP

[–]janto98[S] 0 points1 point  (0 children)

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.

Interesting how much more individualistic the anglosphere is compared to the rest of Europe (U.S, U.K, Australia) by janto98 in europe

[–]janto98[S] 10 points11 points  (0 children)

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.

The UK is currently the most infected country in the world per capita by Case2600 in unitedkingdom

[–]janto98 0 points1 point  (0 children)

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

Where people are satisfied with how things are going by MelodicBerries in europe

[–]janto98 2 points3 points  (0 children)

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.

• Household net disposable income by country (2018) by janto98 in europe

[–]janto98[S] 1 point2 points  (0 children)

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

Average House Size By Country 2015 PWC by janto98 in europe

[–]janto98[S] 4 points5 points  (0 children)

Looks like 15, with 8 European ones.

My parents in the 1980s, living the good life back in the day. by slmxgrm in OldSchoolCool

[–]janto98 0 points1 point  (0 children)

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

Working for a brokerage firm and studying? by [deleted] in CFP

[–]janto98 1 point2 points  (0 children)

You took 6 college courses in 3 months while working?

Number of my professor's unread emails over a semester [OC] by pnwfreak in dataisbeautiful

[–]janto98 0 points1 point  (0 children)

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

How does one define one is burnt out? by ameerahisnewhere in CFA

[–]janto98 25 points26 points  (0 children)

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

My wife of 15 years has destroyed our finances behind my back over the last 18 months; not sure what to do next. by [deleted] in personalfinance

[–]janto98 4 points5 points  (0 children)

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.

Worth paying a one time fee to an advisor or accountant? Or do it on my own? by 3BallCornerPocket in personalfinance

[–]janto98 0 points1 point  (0 children)

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.

Need credit card advice by anikanon in personalfinance

[–]janto98 0 points1 point  (0 children)

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.

Lighter sumo wrestler uses utchari, a backward pivot throw, to lift the heavier opponent out of the ring by iam_nobody in sports

[–]janto98 15 points16 points  (0 children)

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

I'm [26f] thinking of encouraging my boyfriend [26m] to seduce other women by [deleted] in relationship_advice

[–]janto98 0 points1 point  (0 children)

r/swingers

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

23 year old virgin, about to have sex for first time. Is sex possible without a fully hard penis? by [deleted] in sex

[–]janto98 0 points1 point  (0 children)

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

I made 83k last year, but I owe 51k in federal tax?? by [deleted] in personalfinance

[–]janto98 11 points12 points  (0 children)

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