earning is different from profit. a company could have tremendous revenue but still in loss. but i do not know when calculate pe, the earning is net profit or something else? if spy pe is at 19, it is not cheap .
this is why the mom/pops out there have no clue when their financial adviser aka financial suicide adviser tell them to diversify and bonds are save, because right now the 10 year has pe of 50+ and corporate investment grade has 40+, with zero growth rate and a possible default rate. look up the 'Fed Model' which has been used to compare stocks v bonds from the beginning of time... and now that my pro boys are all hush hush about it because they are quietly accumulating because they know the SP fair value should be at least 5000 right now.
also - check this https://bbs.wenxuecity.com/tzlc/1364980.html the baseline method is really that simple.. the problem is most people give up when the next bear comes around.... I can't say example like above is common place... the income here is fairly typical for dual income Chinese immigrant family with advanced degrees... but sticking to it thru the thick and thin for 15 years is not common. so again the key is really just get the higher income and ride the big wave.
no... somebody else.... that board is mostly landlords but at EoY a few of them give a yearly summary.
create an association to help people in need, then train ONE guy to monitor your EAs Set letters that will be automatically sent to different people of the association if the first guy dies or gets out, that will explain how to use the EA. then you'll know that you helped a lot of people after you died. Jeff