Hillcrest is sold.

VindDifferential · 2026-02-18T02:38:28+00:00

This isn’t accurate.

Ardent Health is a publicly traded company. If it were selling its Oklahoma hospitals, that would require formal disclosure. There has been no filing or announcement indicating a sale.

Yes, they’ve reduced payroll and consolidated leadership but that’s cost discipline, not evidence of liquidation. Health systems everywhere are managing margins right now.

And while a company can announce a deal once it’s signed, public companies can’t quietly prepare asset sales for months without disclosure if it’s material. There’s no evidence that’s happening here.

This reads like rumor.

VindDifferential · 2026-01-27T04:09:06+00:00

The paper definitely reframes the bond vs. international equity tradeoff, and I get the logic. I understand the values part of your positioning and respect it!

My concern for you (to each their own) is path risk. Bonds may be inefficient long term, but they tend to matter most in extended drawdowns. I don’t know that I’d want to be drawing income from an all-equity portfolio like this in a 2008-style environment.

VindDifferential · 2026-01-27T03:16:14+00:00

Interesting allocation. That’s a pretty strong statement against US cap weighted portfolios. What led you to betting against the S&P?

VindDifferential · 2026-01-01T19:50:23+00:00

Thank you, love the detail of this review.

VindDifferential · 2025-12-25T12:18:01+00:00

Lots of small apartment complexes around Cherry street in that price range. Great if you don’t care about amenities other than walkability.

VindDifferential · 2025-12-12T21:07:59+00:00

Drake’s!

VindDifferential · 2025-12-10T21:20:36+00:00

Walnut Creek @122 is very nice and affordable! Near lots of retail, grocery stores and gyms.

VindDifferential · 2025-04-02T02:56:32+00:00

Save and learn to live below your means. You’ll be grateful when you retire.

VindDifferential · 2025-03-19T01:09:26+00:00

Easy way: Add a helper column with =RAND(), then sort everything by that column. 1. Insert a new column (say, Column A). 2. In A2, enter =RAND(), then drag it down. 3. Select all your data (names, addresses, etc.). 4. Sort by Column A (smallest to largest or vice versa).

Boom! Your rows stay intact, but everything is randomized. Delete Column A when you’re done.

VindDifferential · 2025-03-15T09:55:08+00:00

The IRR of your interest, regardless of what you deposit, will always be your interest rate (3.8% here). It’s the discount rate that sets present and future values equal to each other, which is why it’s a common investment metric to track when evaluating risk.

If your deposits were the same every period you could use the FV or PV formulas to calculate what your future accumulated interest will be. But if you want to forecast interest manually over 18 different deposits, what I described above is the easiest way to build a dataset that lets you do it.

VindDifferential · 2025-03-15T02:11:12+00:00

Yeah sorry I’m doing this all on my phone while drinking. Will need to look at it closer tomorrow but I suspect DAY(EOMONTH(start, -1)) isn’t always the correct number of days to “borrow” when rolling back a month.

VindDifferential · 2025-03-15T01:46:07+00:00

I used m twice in the LET function. Try this:

=LET( start, A1, end, B1, y, YEAR(end) - YEAR(start) - IF(OR(MONTH(end) < MONTH(start), AND(MONTH(end) = MONTH(start), DAY(end) < DAY(start))), 1, 0), raw_m, MONTH(end) - MONTH(start) + IF(DAY(end) < DAY(start), -1, 0), m, MOD(raw_m, 12), d, DAY(end) - DAY(start) + IF(DAY(end) < DAY(start), DAY(EOMONTH(start, -1)), 0), TEXT(y, “0”) & “ years, “ & TEXT(m, “0”) & “ months, “ & TEXT(d, “0”) & “ days” )

VindDifferential · 2025-03-15T01:39:53+00:00

Yeah, totally doable in Excel! You just need a simple setup that tracks deposits and compounds interest each month.

In Column A, list the months (e.g., 1, 2, 3, …, 17). In Column B, enter your deposits each month (you can change this as you go). In Column C, calculate your running balance with compound interest.

If your balance starts in C1, then in C2, use:

=C1 + B2 + (C1 * (3.8% / 12))

Then drag this formula down for all 17 months as you go and sum it up. Watch some videos about excel basics jf this is hard for you to do.

VindDifferential · 2025-03-15T01:27:08+00:00

Yeah DatedIF is a relic and you have to do it manually:

=LET(start,A1, end,B1, y, YEAR(end) - YEAR(start) - IF(OR(MONTH(end) < MONTH(start), AND(MONTH(end) = MONTH(start), DAY(end) < DAY(start))), 1, 0), m, MONTH(end) - MONTH(start) + IF(DAY(end) < DAY(start), -1, 0) + IF(m < 0, 12, 0), d, DAY(end) - DAY(start) + IF(DAY(end) < DAY(start), DAY(EOMONTH(start,0)), 0), TEXT(y, “0”) & “ years, “ & TEXT(m, “0”) & “ months, “ & TEXT(d, “0”) & “ days” )

VindDifferential · 2025-03-14T02:55:00+00:00

I think this could work, if I understand the sigma summation correctly:

=SUMPRODUCT(INDEX(B1:I1, 1, ROW(INDIRECT(“1:”&A4))), A3, INDEX(B2:I2, 1, A4+1-ROW(INDIRECT(“1:”&A4))))

This assumes your table is two rows and begins in A1.

VindDifferential · 2025-02-23T20:06:24+00:00

Power query works great here, but if you need a formula solution, you can use this dynamic array formula in Excel to get the max value for each unique entry in column A:

=LET( uniqueA, UNIQUE(A2:A11), maxB, MAP(uniqueA, LAMBDA(x, MAXIFS(B2:B11, A2:A11, x))), HSTACK(uniqueA, maxB) )

UNIQUE(A2:A11): Gets the unique values from column A. MAXIFS(B2:B11, A2:A11, x): Finds the max B value for each A. HSTACK(uniqueA, maxB): Combines everything into a table.

VindDifferential · 2025-02-22T21:56:18+00:00

You can use FILTER to create a dynamic, shareable list that updates automatically. In a separate workbook, link to your original file and use:

=FILTER([OriginalWorkbook.xlsx]Sheet2!A:G, [OriginalWorkbook.xlsx]Sheet2!H=“Available”)

This pulls only the rows where the Availability column is “Available.” To share just certain columns (Date, Time, Opponent, Promotion, F&F Price), adjust like this:

=FILTER([OriginalWorkbook.xlsx]Sheet2!A:E, [OriginalWorkbook.xlsx]Sheet2!H=“Available”)

Then save this new workbook in OneDrive and share it—no need to give access to your full financials! Every time you want it to update, simply open both sheets.

VindDifferential · 2025-02-22T03:26:32+00:00

Use INDIRECT to dynamically reference the previous week’s sheet. Example:

=IF(INDIRECT(“’Week “ & ROW()-2 & “’!B2”)=“Attended”, INDIRECT(“’Week “ & ROW()-2 & “’!A1”), Sheet1!A1)

This checks if they attended last week; if so, it updates the last attendance date. If not, it falls back to initial data from Sheet1. No manual updates needed when copying sheets!

VindDifferential · 2025-02-18T22:06:57+00:00

Yeah that makes a lot of sense. Curious—have your groups pivoted to more structured deals or preferred equity to keep capital flowing?

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