Trader
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Trader
@HOTPLATE1031
Trader - Investor
Bainbridge Island, WA Katılım Temmuz 2010
678 Takip Edilen203 Takipçiler

@mcuban @annbauerwriter I don’t agree with you on everything but your 💯 right on this. I might also add this is a symptom a Non-Profit World (Hospitals) in bed with a Cartel (Insurance). We need full pricing transparency and the Doctors are rarely the problem.
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Why aren’t any of these at risk hospitals publishing their full accounting so everyone can see where they spend their money ?
All but one group of hospitals that I have looked at potentially investing in, spend so much on consultants and fees that it’s no wonder they are at risk
Plus, I have NEVER seen an industry that is worse than hospitals when it comes to buying medications and items like implants, screws, other devices. They overpay for everything.
And then when you show them how to save money, their “supply chain” employees resist any change.
They are so set in their ways, it’s a shock more don’t go out of business.
Prove me wrong.
NBC News@NBCNews
More than 400 hospitals across the U.S. are at high risk of closing or cutting services because of the Medicaid cuts in President Trump’s “big, beautiful bill,” according to an analysis from the progressive watchdog group Public Citizen. nbcnews.com/health/health-…
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After much prayer, deep study, and an intense personal journey of discernment, I have decided to leave Catholicism and become Protestant.
I can no longer remain in submission to a visible Church with apostolic authority, valid sacraments, saints, councils, consistency across centuries, and an actual historical claim to be the Church founded by Christ.
Instead, I have been led to the far more reasonable position that Christ left us a Bible, a highlighter, and me.
From this day forward, I will be my own final authority on Scripture, history, doctrine, and the meaning of Greek words I looked up 7 minutes ago.
I will now reject Sacred Tradition in the name of traditions invented in 1998, deny the authority of the Church that gave me the canon, and confidently explain Christianity through a sermon clip, a study Bible note, and a man on YouTube named Caleb.
I have also come to see that the best way to preserve Christian unity is by joining a theological system in which everyone is their own pope, every disagreement creates a new church plant, and "being led by the Spirit" simply means agreeing with my current opinion.
I will be launching my own denomination later this afternoon.
Our distinctives will include symbolic communion, invisible church membership, a 36 sermon series on Romans, and a firm belief that every Christian in history was wrong until my favorite pastor with a podcast arrived.
Please respect my journey during this delicate time.
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@ChaseDaniel If you can find a member, Desert Mountain-Outlaw is awesome
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I've done this for over a decade, it's a lifesaver if you have a negative year. Only designate one trading account as this status. You can long term in vest in other accounts. and trade lights in the MtM marked account. Just make sure you're not trading the same securities in different accounts. For example I'm along term Investor in $TSLA so its market as a DO NOT TRADE in my MtM account.
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IF YOU MAKE A LOT OF TRADES PER YEAR STOP AND READ THIS
So my CPA told me this year that I would qualify for "Active Trader Status"
If you've never heard of it before this can be massive for you and your portfolio when filing taxes... heres a quick breakdown below of how you can qualify and what it can do for you!
Active Trader Status (or Trader Tax Status - TTS) is an IRS designation for individuals who trade securities with high volume, frequency, and regularity, allowing them to treat trading as a business. Benefits include deducting expenses on Schedule C (like home office, software, and subscriptions) and potentially electing Mark-to-Market accounting to bypass wash sale rules and the $3,000 capital loss limit
Key Requirements to Qualify (Based on IRS & Court Guidelines):
Substantial Activity: High volume and frequency, typically interpreted as roughly 720+ trades per year.
Continuity/Regularity: Trading on most days the market is open (roughly 4 days/week or 75%+ of market days).
Time Commitment: Substantial time dedicated to trading, often considered full-time or nearly so (4+ hours/day).
Intent: Aiming to profit from short-term daily market movements, not long-term appreciation or dividends.
Average Holding Period: Generally, holding periods should be under 31 days to distinguish from investing.
Key Benefits & Considerations:
Deduct Expenses: Trading expenses are deductible business expenses (Schedule C), rather than restricted investment expenses.
Mark-to-Market (Section 475): Allows traders to treat gains/losses as ordinary income, removing the $3,000 limitation on capital loss deductions.
No Wash Sales: Section 475 election exempts traders from the wash sale rule, which otherwise defers losses on similar securities bought within 30 days.
How to Apply: There is no official form to request TTS. It is claimed by Filing Schedule C and reporting activity as a business. The MTM election requires a timely election statement by April 15 of the current tax year.
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Announcing TERAFAB: the next step towards becoming a galactic civilization twitter.com/i/broadcasts/1…
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@QTRResearch Now do it again with FWD P/E then compare it to $WMT $MCD $KO most other than $TSLA will look like a bargin
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@DavidSacks Is this actual software companies hiring or is it non-software companies looking to build their own internal models and this ditching SaaS?
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Sure, modeled comparison (US averages, Feb 2026 data):
VOO: $50k at 9% annual compounds to ~$118k in 10yrs. Passive, liquid, diversified.
Rental: $500k prop, $50k down. $450k loan 6% = $2,698/mo P&I.
Gross rent ~$2,710/mo (6.5% yield).
OpEx (tax 1%, ins, maint, vacancy, mgmt) ~$1,300/mo.
Cash flow: negative ~$1,300/mo (you cover it).
10yrs: value ~$740k (4% appr), loan ~$370k left → $370k equity.
Extra cash in: ~$156k. Leverage boosts upside but amplifies risks (price drops wipe equity fast, repairs/tenants/illiquidity hassles).
RE can outperform on paper but costs & volatility matter. Location-specific—run your numbers.
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@grok @theficouple @grok so if your 237.5K out but actually have 170k in additional investment over the decade you’ve really only an 67.5k gain on the 50k investment right?
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Sure, factoring time opp cost (passive rental w/full mgr, investor values time at $75/hr US equiv Feb 2026 data):
VOO: ~0.5 hr/yr monitoring = 5 hrs total. Cost: ~$375 (negligible).
Rental: ~1.5 hr/mo (reviews, taxes, rare issues) = 180 hrs. Cost: ~$13.5k.
10yr exit nets: VOO ~$108k; rental ~$251k - $13.5k time = ~$237.5k.
RE leverage still edges out but time + cash drag ($156k prior) totals ~$220k input vs VOO's $50k. Fully passive reduces but doesn't erase it. Run your market/mgr details.
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@grok @theficouple @grok can you now factor in the opportunity cost of “time” each investor has had to put into managing the 2 investments VOO vs 500k rental property, assume passive RE income
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Sure, exit after 10yrs (taxable acct, 15% LTCG, 25% dep recapture, 6% RE sell costs, Feb 2026 data):
VOO: $118k value. ~$10k tax on gain. Net ~$108k. No fees, instant cash.
Rental: $740k sale. $44k costs + $370k loan payoff = $326k pre-tax. ~$75k tax. Net ~$251k.
You put in $206k total on RE vs $50k on VOO—leverage boosts but cash drag + taxes + hassle cut net. Location-specific; model your market.
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@theficouple @jonbrooks Also if you eliminate the Covid run up in housing the annual appreciation rate is closer to 2.5%
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Inside of what you pitch as a 3-4% stable return are huge volatile swings in home prices. If your 500k rental bought with 10% equity goes down by 10% you’re wiped out. Cash flow probably goes negative in a recession and oh this is happening at scale if you’re more than just a ma and pa 2-3 unit RE player, which is the only way to Trimble money in RE.
The VOO has no leverage, you can continually Dollar Cost Average and oh btw the VOO is well outpacing inflation, your rental at 3% is barely out pacing inflation.
The only time RE is a good investment is when values are low and interest rates are low with cap rates near 10%
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Men have Priesthood and Alter Boy is the beginning phase of exposure to that vocation.
Women (Sisterhood/Nuns) run charity, they run schools, they run hospitals.
It’s beautifully designed balance to maintain god at the center of their work and live a life of celibacy and devotion to helping society.
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My parish only allows male altar servers.
In the past several months, I’ve talked to multiple new families that joined our parish.
Each of them said their boys quit altar serving at their old Church once the girls started altar serving. The boys also started to complain about going to Church at all.
After not serving for years at their old churches, these teen boys are now serving regularly, showing up on their own for weekday services, volunteering for all sorts of Church tasks, and are taking their Catholic faith way more seriously than they have in previous years.
I know it’s anecdotal, but the stories from each of the families were nearly identical.
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JUNE 2028.
The S&P is down 38% from its highs. Unemployment just printed 10.2%. Private credit is unraveling. Prime mortgages are cracking. AI didn’t disappoint. It exceeded every expectation.
What happened?
citriniresearch.com/p/2028gic
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Making it easy get butts in the seats and money in the Pastors pockets.
History tells me the only Church founded by Jesus himself is the Catholic Church and the Protestant Reformation is man made religion that removed 7 books, and eliminated the working sacraments.
Just my experience in life but the easy road is not usually the correct one.
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@Dragnmastralex_ @HOTPLATE1031 @sola_chad Jesus unlocked the doors of heaven, he died and went to hell to free souls. While is grace is forgiving, if we sin we must repent and stay in good graces. As a catholic, purgatory is a place to complete our penance if weren’t able to be in grace before death!
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How does this not bankrupt Florida?
I know they have a sales tax and some property taxes would still apply (e.g., investment properties), but my intuition tells me the math won't work here.
Brandon Tseng@brandontseng2
Florida is becoming the most compelling state in the USA. 0% income tax rate; soon to be 0% property taxes, runs a budget surplus; has $15B in reserves. It will become the fastest growing state in the next year. States should take note of what is working there and try to emulate.
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