The Finance Teacher

@UnotheInvestor I bought at $592 and $550 I was thrilled to add it at those prices

“I’ll wait for a bigger dip” $VOO was at $578. Right there. On sale. Everybody saw it. Now it’s $637. +10.2%. The dip came. You watched it. You did nothing. Some of you are never going to financially recover from your own hesitation.

@SleezBomb Never veto unless you can prove collusion

@Albongo87 All my leagues have vetoes for a reason I could give you examples of very high priced leagues that haven’t and the mayhem that starts with bad trades but it would take too long lol

How to rebuild in under an hour 😱

@DividendBreeder Scan and go feature is a total game changer

Call us crazy we but we go to Sam’s Club instead of Costco. Costco is always so busy. Much different feel from Sam’s Club. $COST $WMT

@WallStreetApes The uneducated mom or the people that spend a decade studying and preparing for their career, who should we listen too!???

American says her child was sick, her throat was swollen, so they went to the doctor Everything was going normal, the staff were happy and helpful, until they asked if her daughter was up to date on her vaccines She says no. The mood changed, they became extremely unhelpful and told her she needs to go directly to the emergency room for care Many people in the comments say they have the same experience where all the sudden doctor don’t want to help when you say your child doesn’t do all the recommended vaccines It’s a money grab. They want you to get vaccinated so turn can all make more money, and sending you to the emergency room is more money for the hospital

@RyanKennedy_22 This is why when we started our dynasty league everyone paid for two years so we always have two years of dues

@ApplesClubs So even more of the same thing

iPhone 18 Pro Expected Features 📱 Same display sizes 🏝️ Smaller Dynamic Island 📸 Variable aperture camera 🤳 24MP front camera ⚡ 12GB RAM 🚀 Apple A20 Pro chip 📶 Apple C2 modem 🧱 Aluminum unibody 🔋 Bigger battery ⚖️ Slightly thicker & heavier 🎨 New Red & Silver finishes ✨ More refinement than redesign… but the upgrades look solid

@Pankaj41627 @grok As someone who had the galaxy it was better than the iPhone in hardware. The software was just slightly worse. The biggest issue was everyone I knew had an iPhone and it made it annoying to text and share things like notes and calendars

Hello @grok , Remove the best phone here..!!

@GPhilly120 Dave needs to be fired

Honestly what has Garcia done for this team so far?

@planert41 Yes

Dads with young kids Is it normal to just feel tired and burnt out all the time? It’s like you don’t even really get the weekend to recover because it’s all just kid stuff the moment you wake up Arguably the only personal time you have is when they nap (and you’re already dead tired by that time) or the hour after they go to bed but before you pass out Just trying to figure out if I’m doing something wrong

@WallStreetApes Well she’s an idiot for taking that much in student loans

American has $197,000 in student loans The interest rate is 5.12%, which means she is accruing about $10,086 of interest every single year on her student loans That’s $840 a month just in interest just to break even without paying anything on the loan “It feels so crushing” Student loans in America are predatory. Americans cannot pay these back and they’ll be trapped in debt forever

@PNerval They just have to shit in front of the other crew members!?

Excellente comparaison des modules Apollo vs Orion.

@TrxppeZ He isn’t that good of a WR or CB

Doesn’t get talked about enough how much of a disaster that trade was. All time fleece by Cleveland

@Mike__Daniel @FFDynastyTrades If rebuilding the picks. If going for a championship bijan

@FFDynastyTrades PPR Bijan for 1.1 and 1.2. Which side wins?

@PhilsTailgate It’s almost like running it back with an old team on offense was a bad idea

If you told me before the game that Nola would give up 3 runs in 6 innings, I’d take that. The offense just needs to show up.

@pepemoonboy All correct but assumes the renter has the money to invest. If the home and renter both don’t have money to invest the home owner at least has the appreciation from their home

When I ran the numbers on renting and investing the difference vs. buying a home, I used national averages and y'all lost your minds. Fair enough. This time I used two real listings in Durham, NC with matching bedrooms and comparable square footage. Apples to apples. The properties: - For sale: 305 Reynolds Ave — $389,000 / 3bd 2ba / 1,580 sqft - For rent: 1526 Smoky Mountains St — $1,950/mo / 3bd 2.5ba / 1,658 sqft The setup: - Mortgage rate: 6.50% (30yr fixed, 10% down) - Durham combined property tax rate: 0.99% - Home insurance: $1,721/yr (avg for 27707 zip) Buyer monthly cost (Year 1): - P&I: $2,213 - Property tax: $321 - Insurance: $143 - Maintenance (1%): $324 - PMI: $146 Total: $3,148/mo Renter monthly cost (Year 1): - Rent: $1,950 - Renters insurance: $14 Total: $1,964/mo The renter saves $1,184/mo. Plus the $50,570 in down payment and closing costs never leaves their pocket. All of it goes into $VOO. This time I'm accounting for what everyone said I missed: Assumptions: - Rent increases 3.5%/yr (it is NOT frozen) - Property tax increases 2%/yr - Home insurance increases 3%/yr - Home appreciates 3.4%/yr (avg since 1891) - S&P 500 returns 10%/yr (long-term avg) - PMI drops once equity hits 20% - Selling costs: 6% (agent commissions + transfer taxes) - Capital gains tax: 15% on stocks - Home sale exclusion: $500K (married couple) All results are AFTER taxes and selling costs Results: 1. After 10 years: - Renter net (after cap gains tax): $299K - Buyer net (after selling costs): $214K Renter wins by $85K 2. After 20 years: - Renter net: $815K - Buyer net: $519K Renter wins by $296K 3. After 30 years: - Renter net: $2.16M - Buyer net: $971K Renter wins by $1.19M "But rent will be $5,473/mo in 30 years." Yes. And the renter's portfolio generates $18K/mo at a 10% return. Even at a conservative 4% withdrawal rate, that's $7,200/mo. You can pay rent and still never touch the principal. What this still doesn't capture: - HELOC access / borrowing against equity - Refinancing if rates drop - Forced savings effect (most renters won't invest the difference) - Intangible value of ownership, stability, no landlord - HOA fees (if applicable) - Major repairs beyond 1% (roof, HVAC, plumbing) - Geographic differences: these numbers are Durham, NC. Your market will be different. A home is a place to live. It can also be a great financial decision depending on your market, discipline, and goals. But the "renting is throwing money away" crowd needs to run the numbers before they say that. Not financial advice. Run your own numbers.

@LeadingReport He’s correct

Chris Christie says that baby boomers are the “most selfish generation in American history.”

@QuinyonClamps I wouldn’t touch Tyson. His injury history is to scary

Thoughts on this 3 round Eagles mockdraft 👇

@UziCryptoo Credit cards get me free trips

CALLER: I put $3,000 worth of monthly expenses on my credit card and pay off in full. I get 2% cash back, so that's $60 back every month. DAVE RAMSEY: Get rid of the card. You're telling me that you spend $3,000 on a high interest credit card, just to get $60? That's not how you get rich! CALLER: I don't pay interest, I pay it off every month and get $60. DAVE RAMSEY: Get rid the card, use debit cards ONLY! CALLER: So give up the $60 I get back monthly? DAVE RAMSEY: That's not how you get rich! In reality, if you are resposible, USE credit cards. It's not just cash back. It's also liability protection. Every dollar matters.

@theficouple Until you need a roof, AC unit, bad tenants, or any other major thing that could go wrong. You are also not account for VOO increasing in value

Lets do the math: $150k invested in VOO would give us ~$560/mo of cash flow. $150k invested into a good multi family rental gives us ~$1,875/mo of cash flow. We really like real estate 🏡