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Warren Buffett's Net Worth by Age

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Re: Warren Buffett's Net Worth by Age

#31

Earlier quoted context omitted.

Thanks for the link. Actually, I've been watching a finance class given by the infamous Martin Shkreli (I came across it in an other HN comment recently). https://www.youtube.com/watch?v=ARrNYyJEnFI and I've been pondering this efficiency hypothesis. Basically, he explains how to pick stocks by fundamental analysis. Very entertaining to watch how this type of investors works. However, I can't help thinking that despi…

You misspelled that asshole's name. Find another teacher.

I'm not really sure you understand the situation.

A pharmaceutical company makes a drug which they priced when they acquired it a long time ago, they're the only company which makes a drug for that specific condition.

The drug is priced at $13.50 per pill, which is sold in bottles of 80 pills and is covered by insurance, with a co-pay of $20. Most bottles actually cost only $1, which is a federally mandated amount for a prescription for those on medicaid.

The company (which only has margins of 8%, which is a very low amount) realises that the costs of their only successful drug are going to put them out of business and that they need to raise the price of the drug or stop selling it. This would mean no longer selling the only cure to toxoplasmosis.

They decide that raising the cost by 50x would allow them to continue R&D in to other rare diseases, so they could make other pills.

When they raise the costs to $750 per pill, everyone can still get their pills. The insurance co-pay of $20 per bottle is still exactly the same. The medicaid prescription cost of $1 per bottle is still exactly the same.

Nothing changes for the end user, it costs the exact same, the insurance company picks up the extra tab for the pills and the 2,000 people yearly who need this drug are able to survive.

You should really investigate the situation fully before blindly believing the story the media has sold to you.

Re: Warren Buffett's Net Worth by Age

#32
The most interesting thing is that y-axis is exponential. iIts humbling that Buffet didn't even crossed 100M mark when he was 40! While wealth accumulation seems to be exponential, it's sure a long winding road.

Re: Warren Buffett's Net Worth by Age

#33
post #29

Buffett's net worth at 14 was $5k. I just checked my old childhood savings account, and after my 14th birthday it had around £50 in it. At 34, his net worth was $7M, so relatively speaking, I only need £70k to be doing about as well as he was. I think I'm actually doing better. :-)

You need to adjust for inflation, though.

Re: Warren Buffett's Net Worth by Age

#34

Earlier quoted context omitted.

You misspelled that asshole's name. Find another teacher.

I'm not really sure you understand the situation. A pharmaceutical company makes a drug which they priced when they acquired it a long time ago, they're the only company which makes a drug for that specific condition. The drug is priced at $13.50 per pill, which is sold in bottles of 80 pills and is covered by insurance, with a co-pay of $20. Most bottles actually cost only $1, which is a federally mandated amount fo…

How can nothing change for the end user? If the insurance company is picking up the tab, then the cost of insurance has to rise and/or the insurance benefits have to be cut (i.e. drug is no longer covered or co pay rises).

Re: Warren Buffett's Net Worth by Age

#35

Earlier quoted context omitted.

I'm not really sure you understand the situation. A pharmaceutical company makes a drug which they priced when they acquired it a long time ago, they're the only company which makes a drug for that specific condition. The drug is priced at $13.50 per pill, which is sold in bottles of 80 pills and is covered by insurance, with a co-pay of $20. Most bottles actually cost only $1, which is a federally mandated amount fo…

How can nothing change for the end user? If the insurance company is picking up the tab, then the cost of insurance has to rise and/or the insurance benefits have to be cut (i.e. drug is no longer covered or co pay rises).

Well, the good thing about Daraprim, the drug for toxoplasmosis, is that it completely cures you of the condition. So sure, your insurance will rise because you made a claim, but it won't raise that much, since you don't have any medical conditions going forward.

Your insurance going up by 20/30% a year is definitely preferable to the actual medical costs you would incur in hospitals if the company who sell Daraprim went out of business.

Re: Warren Buffett's Net Worth by Age

#36

Earlier quoted context omitted.

You misspelled that asshole's name. Find another teacher.

I'm not really sure you understand the situation. A pharmaceutical company makes a drug which they priced when they acquired it a long time ago, they're the only company which makes a drug for that specific condition. The drug is priced at $13.50 per pill, which is sold in bottles of 80 pills and is covered by insurance, with a co-pay of $20. Most bottles actually cost only $1, which is a federally mandated amount fo…

You didn't mention PSI:

http://www.bloomberg.com/news/articles/2016-05-19/the-real-r...

Re: Warren Buffett's Net Worth by Age

#37

Earlier quoted context omitted.

I'm not really sure you understand the situation. A pharmaceutical company makes a drug which they priced when they acquired it a long time ago, they're the only company which makes a drug for that specific condition. The drug is priced at $13.50 per pill, which is sold in bottles of 80 pills and is covered by insurance, with a co-pay of $20. Most bottles actually cost only $1, which is a federally mandated amount fo…

How can nothing change for the end user? If the insurance company is picking up the tab, then the cost of insurance has to rise and/or the insurance benefits have to be cut (i.e. drug is no longer covered or co pay rises).

There are only a few thousand people buying the drug, while there are millions of insurance customers. The effect on premiums is maybe a cent at most.

Re: Warren Buffett's Net Worth by Age

#38
post #25

Earlier quoted context omitted.

It's $67k after being adjusted for inflation. If you click through to the original article[1] linked by the blog post, they explain that > Warren Buffett became a player in the investment game at the wee age of 11, eventually using cash he earned from his paper route to buy some farmland in his home state. As a high school sophomore, he also reaped the rewards of a booming pinball machine business. 1. http://www.mark…

Yeah, I know it's adjusted for inflation. I guess they explain it? I can't imagine a paperboy earning nearly $60k (adjusted) in a couple years, so his investment returns must have been phenomenal right off the bat. A high school sophomore would be 15-16, so he would have already made the $67k (adjusted) before he got into the pinball business.

That figure seems slightly exaggerated, Wikipedia states he had $9800 saved when he was 20. And that he made $175 a month from his postal route. If he started his paper route at 15 he would have made over $10,000 from just the paper route during those 5 years. And the article lists several more business ventures he was active in.

Few people start working as early as 13-14, but if we extrapolate the $175 a month (which would be almost $2500 in today's dollars), and you had no expenses you could save $150,000 by the time you were 20, today.

Must surprising here is how well paid that paper route was. Average salary was $200 a month in 1944. Today the average salary is $2500 a month, but you can't earn as much from such a simple job today.

Re: Warren Buffett's Net Worth by Age

#39
post #29

Buffett's net worth at 14 was $5k. I just checked my old childhood savings account, and after my 14th birthday it had around £50 in it. At 34, his net worth was $7M, so relatively speaking, I only need £70k to be doing about as well as he was. I think I'm actually doing better. :-)

You need to adjust for inflation, though.

We both experienced inflation, but sure, let's work it out:

£50 when I was 14 was worth £90 in today's money. Buffett's $5k was $68k.

Buffett's age-35 7M was worth 53M in today's money. So I'd need £70k in today's money to match his net worth growth.

That's exactly the same. I'm actually surprised by this, as it suggests both Buffett and I experienced the same level of compound inflation over the 20 years of our lives from age 14, despite being at different times and on different continents.

(This is all tongue-in-cheek, of course).

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