Psychiatrist, Engineer, Inventor, Business owner.

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Psychiatrist, Engineer, Inventor, Business owner.

Psychiatrist, Engineer, Inventor, Business owner.

@DrDavidClements

The sorrows of life are coming, it is to us to find joy.

Entrou em Haziran 2010
998 Seguindo2.9K Seguidores
VEO
VEO@vrexec·
I'm doing some back of the envelope math on buying vs renting. Say you buy a $1M house with 20% down at about 6% mortgage rate and plan to stay there for five years. Your principal paydown in the first five years is about $57,000, but you've paid about $230,000 in interest. You've also paid roughly $100,000 in property taxes, insurance, and maintenance. Say the house appreciated 2.5% every year — so when you sell it's worth about $1.13 million. Your all-in costs to sell are about 7.5% — brokerage commissions, transfer taxes, attorney fees, title insurance, and the inevitable post-inspection negotiation. On a $1.13M sale that's about $85K in fees. So you net about $1.046M. You still owe $743K on the mortgage. You walk away with about $303K in cash — your $200K down payment back, your $57K in principal, and about $46K in net profit from appreciation. Your non-recoverable costs — interest, property tax, insurance, maintenance — were about $330K over five years, or about $5,500/month. That's your effective rent. But you "made" $46K selling, or about $770/month — so your effective rent was about $4,700/month. Not bad, but you tied up $200K for five years to get there. And if appreciation was 1.5% instead of 2.5%, that net gain basically disappears and you're paying $5,400+/month in effective rent. And this assumes there's appreciation at all — and that something doesn't go wrong with your house that needs a major remodel or repair. On a five-year horizon at 6% rates, you need everything to go right on appreciation just to make ownership competitive with renting. The transaction costs eat most of your upside. What am I missing? Anything?
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Addiction Journal
Addiction Journal@AddictionJrnl·
All-cause and cause-specific mortality in gambling disorder: Evidence from a nation-wide matched and sibling cohort study in Taiwan buff.ly/lSU8JGN
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William A. Wallace, Ph.D.
William A. Wallace, Ph.D.@drwilliamwallac·
The largest review of medicinal cannabis for mental health was just published in The Lancet Psychiatry. 54 RCTs testing CBD, THC, and combined formulations. 2,477 participants. 45 years of data. - Anxiety: 6 trials. No significant effect. - PTSD: 3 trials. No significant effect. - Depression: Zero trials. Not tested once. 27% of adults in the US and Canada have used cannabis medically. 50% use it for mental health. thelancet.com/journals/lanps…
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Joe Pierre, MD
Joe Pierre, MD@psychunseen·
Two new reviews reinforce previous conclusions about cannabinoids for mental health: "Given the scarcity of evidence, the routine use of cannabinoids for the treatment of mental disorders and SUDs is currently rarely justified." thelancet.com/journals/lanps… jamanetwork.com/journals/jamai…
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Psychiatrist, Engineer, Inventor, Business owner.
Hmm, thats peculiar. $btc down and $kas up. For the first time in a long time. Just a couple of hours, but seemingly not something I can recall happening recently.
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Addiction Journal
Addiction Journal@AddictionJrnl·
Changes over time in hallucinogen-related emergency department visits in Ontario, Canada buff.ly/gFfX73R
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Chris Aiken, MD
Chris Aiken, MD@chrisaikenmd·
First fecal transplant in bipolar depression failed; small-db RCT: pubmed.ncbi.nlm.nih.gov/41785480 Undaunted, authors speculate sham had active benefits But 3 probiotic bipolar RCTs = negative, despite positive in non-bipolar depression using these strains: chrisaikenmd.com/supplements
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Neuropsychopharmacology
Neuropsychopharmacology@npp_journal·
Old drug, new hope: Acetazolamide, a carbonic anhydrase inhibitor, reverses opioid withdrawal, induces synaptic plasticity in the NAcc & reduces drug-seeking. A repurposable, non-opioid strategy to prevent relapse in OUD / @guptasubhash2 nature.com/articles/s4138…
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Chris Aiken, MD
Chris Aiken, MD@chrisaikenmd·
New consensus on deprescribing features many pearls, like ▪ Taper potent anticholinergics over 2-4 wk ▪ Avoids rebound: Anxiety, insomnia, confusion, sweats, drooling, diarrhea ▪ eg: Clozapine, tricyclics, some sleep meds: acbcalc.com pubmed.ncbi.nlm.nih.gov/41739481
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Malvin
Malvin@ManOfFocus_·
As a man, what is your personal philosophy? (In 3 words or less)
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Vivek Sen
Vivek Sen@Vivek4real_·
TOM LEE JUST SAID LIVE ON CNBC THAT BITCOIN AND CRYPTO IS ABOUT TO GO PARABOLIC IN THE NEXT 20 DAYS HERE WE GO 🚀
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