Michigan has won the last 4 games but in the last 20 years Ohio State has won 15 of 20. Including winning streaks of 7 straight years and 8 straight years
What is he smoking?
I’m a Wolverine fan and don’t like Ohio State going back to how they were gifted titles vs Miami many moons ago. But the numbers don’t lie
BREAKING: In an horrible moment, Donald Trump claims the staff, who tend to the cemetery that is the resting place for those who served our nation, are bad people. This is as unpatriotic and un-American as it gets. Retweet so all Americans see this
Dividends do not increase your wealth.
When a dividend is paid, it converts part of your stock into cash.
When the dividend is paid, your overall wealth does not increase or decrease.
@TKopelman Agreed, if just looking at taxes, but I think the non-correlated asset class plus tax diversification is the main consideration (for cash value life ins). CVLI can have similar performance to a long term corp bond. Premiums are opportunity cost, gotta weigh benefit vs outlay
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"My buddy told me I need to get permanent life insurance"
You have not maxed out any retirement accounts
You have debt to pay off
You do not have an emergency fund built
You are nowhere close to the savings needed to buy a house
....
He's not your buddy
Lump Sum vs DCA
I know what the research says
In real life it's very dependent on the situation, dollar amount, and client profile
Whatever method of cash deployment -- just get invested and stay invested
@TKopelman IMO, There’s a set a prerequisites, some foundations that must be in place, before getting permanent insurance. It’s a want vs. need, not for everyone and purchasers must understand the opportunity cost for doing so.
I've worked with hundreds of millennial households over the past 5 years
Some high income
Some low income
Some business owners
Some w2
Regardless of the situation, I have seen time and time again the same avoidable mistakes being made
Here's the top 11 you need to avoid