Which tax advantaged account doesn’t matter to growth or liquidity.
For growth, what matters is what you’re holding in the accounts.
And you can’t take any of it out until retirement, so viscosity doesn’t even matter much.
Beyond that answering your question would require knowing the current distribution.
In short I think you’re confidently looking at this the wrong way and need to talk to a professional to get things straightened out.
I’m not trying to say anything against the map makers.
More pointing out how consistent the spread is. The vast majority of places have very similar values, between 80 and 95%.
0-50% is one color.
50-90% is 4 colors.
90-100% is 2 colors.
Sure, but that is the line in the song.
Could go all KFC and just make the full offical name be “USA”.
I’d like something original. Something that captures the spirit of the country. Something like “Glorificia” maybe.
“♫ I’m proud to be a Glorifican! Where at least I know I’m freeee ♫”
Pinterest is their own publicly traded company.
They aren’t owned by Meta.
I found Pinry and Pinetta. Though they seem to be kinda defunct without much recent activity.
Pixelfed allows you to make collections of posts, kinda like Pinterest.
That’s all I found with a simple search.
Does a casino ever provide a beneficial service?
Or are you still saying they’re the same?
One provides a useful function that more often than not protects people when things go to shit.
The other tries to make people into addicts and turn their lives to shit.
By knowing that time is long, and these things always happen in cycles.
50 years from now this will be viewed as a dark time in history. Hopefully one that created a new greatest generation.
MUCH like a casino.
There are subtle yet important differences, which are the reason why casinos are largely illegal, while insurance is often required.
How [does] Tidal benefits from supporting universal links that redirect to competitors?
I never said I didn’t understand insurance.
I said I didn’t understand wanting variable pricing of insurance based on individual risk.
But now I’ve learned, it’s a response to small scale conceptions of what insurance is and how it works.
The purpose is what I stated.
I never said purpose. You did. Originally I said “the point of insurance”.
What you describe is no different than two people making a bet. Making a bet isn’t insurance.
Insurance is different only because of the large organization on the other side making countless bets at scale.
It’s almost as though you’re refusing to consider the larger context, because:
Nobody “knows” how much insurance is worth. Insurance companies pay lots of money to obtain data and make calculations about predictions.
My claim was predicted on nobody else in the world wanting insurance. Insurance companies wouldn’t exist. The concept of Insurance wouldn’t exist. That research and data wouldn’t be done. For that first person and whoever is on the other side, it’s still just a bet.
See what I mean. You’re leaving out the larger context.
Riskier drivers need to pay more because they’re more likely to take money out of the system.
They don’t need to pay more. It just feels more fair that way, on an individual short term basis.
But when thousands or millions of people are all pooled together, the individual difference in risk gets flattened out to be practically negligible.
To your example of the 16yo with a Porche. When you’re young, you get car insurance for cheap. Then as you get older, you pay the same while you’re risk that day/month/year goes down. But after your whole lifetime, in the end it’s all the same.
For the insured individual its a bet. Not for the insurer.
By pooling a bunch of bets the insurer isn’t gambling any more. They know (more or less), how much they’ll have to pay out. Then can charge accordingly to know it’ll work out.
Pooling the resources of all to spend it on the benefit of society (including helping the less-fortunate) is the purpose of taxes.
That’s not what I said or meant.
The purpose of insurance is to trade low chance big impact risks for 100% chance small costs.
For an individual, yes.
But how does an insurer do that? By pooling the low chance risk from lots of individuals into a certainty, so it’s predictable. The bigger the pool the more predictable things become.
If there was only one person in the world who wanted insurance, nobody would know how to predict or price it. It wouldn’t work.
All of that is about a company selling a product in a market.
But insurance doesn’t need to be that. It’s purpose is unrelated to any of that.
Insurance, no matter where it comes from, is about pooling money from a large group to cover the losses of a small group. It exists because nobody knows which group they’ll be in.
EDIT:
Ideally insurance would be a state regulated monopoly, in order to have the largest possible pool. That would be the most effective and efficient way of doing it.
In fact trying to categorize people into lower and higher risk pools, just makes smaller pools. Which hurts the overall efficiency of insurance for the purpose of creating more attractive products to sell in a profit driven market. It’s an example of how commerce itself can actually hurt some markets.
What you describe as an individual spreading out small payments instead of having one large payment, is actually just a loan. You can open a line of credit at a bank for emergencies. That does the same thing. It isn’t insurance.
I mean, yah?
If there’s a ban on building new bike lanes, there will be fewer new bike lanes built. Isn’t that what a ban is?
I don’t understand the point.
By building cool stuff in that long strip of nothing.