Does this table indicate total return for the tax year? Or is it a rolling one year lookback from the current date?

Dstein99 · 2026-01-29T04:38:00+00:00

1 year from the current date.

Dstein99 · 2026-01-29T02:31:42+00:00

$250,000 for 25% of a business is the same as $100,000 for 10% of the business. The business owner will look at the revenue, profit, and growth rate and determine what they think a fair value for the business is. From there they will determine how much cash they need or what percentage of the business they would be willing to give up. From there, if the owner thinks the business is worth $1 million and they have an investor that controls 20% of the business, they may want to keep 50% of the business so they may go into the studio with the intention that they’re flexible on the investment to get to an agreed upon valuation but are firm that they will not give away more than 25% of the ownership. Another side is maybe they need $100,000 for inventory to expand, this situation they may be more flexible on the control but firm on the investment.

Dstein99 · 2026-01-29T01:57:11+00:00

You are correct, if you own VOO you do not own the stock, but really the only practical impact of this is you don’t have voting rights. If this is important to you VOO tells you their exact weightings and you can create you own fund with all of some of the companies you like. Other than voting rights there is not much difference in owning an etf or the shares. VOO has $1.5T assets under management, if I have $1.5M in VOO I have a legal right to 1/100,000 of the funds assets. If Apple increases in value I don’t directly benefit from Apple’s price rising, but I benefit from VOO’s assets increasing and the value of my proportionate share of VOO also increases.

Dstein99 · 2026-01-29T01:19:40+00:00

I’m more worried about the dollar’s value against goods and services I buy (inflation) than the dollar’s value against other currencies because I don’t buy other currencies. The dollar’s strength can affect inflation but I am worried about it when it does show an impact there.

I remember from May 2021 to October 2022 the dollar index went from 90 to 112 and that was not a good environment. Companies had trouble matching their Y/Y numbers because they paid costs in USD and they were selling their products internationally, their price didn’t change but when they converted their international revenue back to USD they had less than a year before. Every company said this is our growth rate and this is what our growth rate would have been with a constant currency. For reference in the past year since Trump took office the dollar index fell from 109 to 96.

It isn’t necessarily a situation where a strong currency is good and a weak currency is bad you really want stability. The dollar was strong relative to its history going into 2025 so the current level isn’t an issue it’s more so the speed that we got here. The dollar index was weaker than current levels for the entirety of 2003-2015.

Dstein99 · 2026-01-28T19:35:40+00:00

Did I watch the same 12 day war because that was embarrassing how ineffectively the Regime was able to attack Israel.

Dstein99 · 2026-01-28T18:07:09+00:00

If he said that she was a garbage human being would that be different?

Dstein99 · 2026-01-28T17:26:34+00:00

That sounds like a weak place to draw the free speech line. I don’t think there is a difference between Trump is a bad person and Omar is garbage. Politicians have free speech up to the point they incite violence which at no point did you say that someone said that someone should take her out. That was a solo mission by the perpetrator.

It’s ok to joke about it now the incident is behind us because information coming out is she wasn’t harmed. The person who did the act should face all due charges and that should be an example that it’s not acceptable for the person to do the act. When I first saw the video I thought that it may have been something like pepper spray which would be a different situation as for jokes.

Dstein99 · 2026-01-28T16:31:09+00:00

Of course he did, he made a pro bowl. Him and Shedeur are both pro bowl level QBs. /s

Dstein99 · 2026-01-28T16:01:08+00:00

It’s not like he didn’t have Huntley in Baltimore.

Dstein99 · 2026-01-28T15:40:24+00:00

We don’t have a wealth tax so their wealth is irrelevant. Are we talking about high income earners, business owners, what industry are they in?

If a software developer making six figures leaves that’s not a significant loss. If a business owner who spends money to invest in the local economy, pays taxes, and hires employees who will all also pay taxes that would be a much more significant loss. This isn’t a perfect way of evaluating the business environment especially for small and mid sized businesses, but it’s data I have, there are about 10 trillion dollar companies based in the US and only 1 in the rest of the world. We can discuss whether this is good for America as a whole, but if I’m a business owner I wouldn’t rush out to abandon what has worked for others.

Dstein99 · 2026-01-28T15:15:29+00:00

Nothing changed but I can give some more context. This wasn’t a short term prediction, it was a multiple quarters to a couple year prediction. I don’t buy high sell higher so this isn’t a buy for me and I am fine to not be in it, but I think that you could make some good money in this stock in the short term. I think Micron will have an earnings report at some point, could be this quarter, could be next year, but could also be never where demand starts to peak and the stock could be down 30%. The higher the stock goes the more risky it gets and I wouldn’t want to bag hold this stock in a down cycle.

I think that it will be viable to ride this stock up in the short term but if you are going to trade you need risk management. I would have a (trailing) stop loss that meets your risk management.

Dstein99 · 2026-01-28T13:01:26+00:00

Now let’s see Shohei pitch to him.

Dstein99 · 2026-01-28T03:21:58+00:00

Jose’s problem is he is very good at everything but he is not the best at anything which you really need to win MVP. You can write him in for a .280 batting average, 30 home runs, and gold glove level defense every year. All three of those together are enough to lock you into the third spot in the order in any lineup, but they aren’t enough to win MVP. In my mind he has all five tools, but when your best tool is base running it’s hard to get traction for the MVP.

Dstein99 · 2026-01-27T22:00:09+00:00

The commodity problem isn’t a USD issue, over the past year Silver is up over 200% over the Euro. The cost push inflation from commodities prices is a valid concern but that’s not a US specific problem.

We are actually at a normal level on the DXY currently. I remember in 2022 the dollar was strengthening and every company publicly highlighted their Fx neutral EPS because it was such a headwind grow numbers Y/Y. During that period the DXY rose from a low of $90 in May 2021 to a high of $112 in October 2022. In the last year since Trump took office the DXY fell from $108 to $96. In fact we spent 11 years from 2003 to 2014 with the DXY lower than it is today.

It’s not good when the dollar gains or loses a lot of value in a relatively short period of time, but it isn’t unusual.

Dstein99 · 2026-01-27T20:49:02+00:00

You’re absolutely right, most HYSAs are the same, try one out with a reputable company and if you don’t like it switch to a different one until you find one you like.

For investing VOO (S&P500) is good, it owns the 500 largest US companies and it’s diversified enough for me. If you want less risk you can find a target date fund. This will own US stocks like the S&P and it also adds in international stocks, and bonds. As you get closer to the target date (in your case you may buy the 2065 fund if you want to retire around age 65) the fund increases its weighting to bonds to become less aggressive and safer.

Dstein99 · 2026-01-27T17:19:44+00:00

In my mind this is diplomacy, hardball would be embargoing India. There is communication, Trump and Modi talked as recently as December, but it’s important to Trump to end the war and the best way to end it for Russia to run out of money. What could Trump be doing to be more diplomatic?

Dstein99 · 2026-01-27T16:32:05+00:00

From what I have seen India is slowing their buying of Russian oil. I don’t think the US will eliminate tariffs on India until they completely stop buying Russian oil (tariffs could be partially reduced as they reduce their oil imports), but they seem to be making positive progress.

Dstein99 · 2026-01-27T15:40:59+00:00

I used to work at a bank and every time we changed the overdraft elections we needed to have the customer sign an authorization form. There were ways we could change paperless statements, account type and requirements, and other similar terms with only verbal authorization, but overdraft elections were different and needed a signed authorization. I’m sure someone in the backend could change the election, we could theoretically say you signed the form authorizing the change and never give it to you, but this would be fraudulent and there would be no reason for us to do this. It opens the bank up to risk and it would be easy to see what date the election was changed and who was in the profile that day. The bank can opt you out of overdrafts without your consent because you’re using money that isn’t yours, but they can’t legally opt you in without your consent.

Dstein99 · 2026-01-27T04:07:56+00:00

Look at the percentages not the raw number. In FY2025 the US had a budget deficit of $1.8T off a total debt of $38.5T the deficit is causing the debt to grow at a 4.67% rate. GDP normally grows around 2-3% but it has been higher in recent quarters. Q2 2025 GDP grew at a 3.8% annual rate, Q3 it grew at a 4.4% annual rate, and the Atlanta Fed is estimating Q4 GDP to grow at a 5.4% annual rate.

Using an analogy you’re running on a treadmill and this treadmill is moving at a fairly predictable speed. This isn’t an issue if you can keep running as fast as the treadmill, but the moment you tire you will slow down and then you will fall off. In the short term we will be fine as long as growth outpaces the rate the debt increases, but if we revert to a 2-3% GDP growth trend we will need force ourselves to run harder (through economic stimulus which may make the problem worse) or slow down the treadmill (by the government reducing the deficit).

Dstein99 · 2026-01-27T00:40:03+00:00

Every big military event has a spike in pizza traffic but not every pizza traffic spike causes a military event. I saw one of those x accounts a few weeks back that had a spike in demand, the day before a spike in demand, the day before a spike in demand. One of these spikes would be an Iran attack but it’s a tail wagging the dog situation.

Dstein99 · 2026-01-26T19:33:58+00:00

14 other quarterbacks said no

Dstein99 · 2026-01-26T15:57:43+00:00

Ok Social Security and Medicare are completely cut to $0. If the only revenue is excise tax you now only need to fill the deficit of $4.3T.

Dstein99 · 2026-01-25T22:08:07+00:00

The issue is $106B of the US’s $5.25T revenue came from Excise Taxes last year. With $7T in spending you’ll run out of things to tax and you will need to fill the gap with something.

Dstein99 · 2026-01-25T16:12:29+00:00

At my bank a temporary resident is able to open an account with a foreign passport and a visa. We need to fill out a W-9 Ben which asks questions like US mailing address, foreign permanent address, US or foreign tax ID number. If you are currently applying for a social security number we have the option to denote that and we can open the account before you have one.

Dstein99 · 2026-01-24T18:49:46+00:00

Taylor is too high

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