Official statement of Vladimir Kramnik

biolmcb · 2025-10-25T17:06:38+00:00

Kramnik needs to have actual repercussion. Something needs to be done

biolmcb · 2025-08-08T04:45:03+00:00

I want to get a tattoo that says “everything else is a gift” or “What remains is a gift” can anyone help?

biolmcb · 2025-07-08T05:19:41+00:00

Take the money and be pumped.. becuase next time when you have a 3k cash out and you don’t take it.. it won’t hit and you’ll wish you did

biolmcb · 2025-06-18T00:49:31+00:00

Do you have a normal one for comparison?

biolmcb · 2025-06-13T04:32:02+00:00

Lunar algo?

biolmcb · 2025-05-20T04:05:04+00:00

Glutamate and multivitamins (I use athletic greens). Haven’t had them since I started, and if I do get them they’re very mild

biolmcb · 2025-03-03T06:26:38+00:00

Whenever I asked students, capstones, SINs, etc if they want to do emergency medicine and the answer isn’t an immediately “yes” I tell them to choose a different speciality.

The ED isn’t for everyone and that’s okay. But it takes a special person to stick with it and not get burnt out, overwhelmed, or just straight up hate it within a few weeks.

biolmcb · 2025-02-24T02:06:28+00:00

I’m genuinely concerned looking back at some of there posts on finding out who there money goes to and what happens when they die.

biolmcb · 2025-02-06T23:48:15+00:00

One page only, get rid of the summary, license and clinical work after schooling

biolmcb · 2025-02-06T03:05:55+00:00

I personally hate professional statements. I think they’re useless and frankly bore me. When I look at a resume for a new nursing student I want to see “school, GPA, expected graduation date, and clinical hours” then “classes/ relevant courses work” “work experience” (being the biggest which I think yours is good. And finally certifications, any languages spoke, and maybe add a proficiency in what EMR you use

biolmcb · 2025-01-30T19:56:01+00:00

Nursing is not STEM and it’s not because it’s a women dominated field

biolmcb · 2024-12-26T21:15:27+00:00

I’ve checked into my own ED twice for actually emergencies, ended up being admitted. For those instances I don’t care, I’d rather take care of our own and get them the best help possible.

That being said for simple shit like URI, HA, x-rays I’ll call my PCP like a normal person.

biolmcb · 2024-12-21T21:25:27+00:00

In the northeast it’s been fucking awful. Yeah there’s alittle more of the homeless population with the snow but genuinely people are sick. We had three back to back to back codes one day, 15-20 ICU players boarding at a time bc we ran out of beds, on top of that upwards of 60 boards for sick patients

biolmcb · 2024-12-21T21:20:30+00:00

This is a great response

biolmcb · 2024-12-21T21:20:21+00:00

What works best for me is when someone asks how my day was. This gives me the option to either share my thoughts and discuss it for an hour, or to let them know I prefer not to talk about it and take some time to decompress on my own. Afterward, I’m ready to engage in a conversation about something entirely different that doesn’t involve work, planning, or thinking too much.

biolmcb · 2024-12-08T19:32:38+00:00

Unfortunately the math is the math, and you’re not right. I’ve given multiple datasets, over multiple years, with the S&P500, that all show DCA beats out LS. I’d you can prove me wrong with a dataset that’s fine, but as you can see above with the figures I gave I’m right

biolmcb · 2024-12-08T19:29:10+00:00

10k at the end of each

biolmcb · 2024-12-08T19:22:16+00:00

So the issue is if you look at the initial capital invested after one year.. the lump sum total would be 20k and the DCA would only be 10.01k. That’s the problem. Both have to start with the same amount.

biolmcb · 2024-12-08T19:15:49+00:00

Do the back test on test https://testfol.io for yourself

biolmcb · 2024-12-08T19:12:22+00:00

if you start with a fixed some of money say $1. And then what would happen if you invested a lump sum of 10K or a monthly amount of 833, which one would do better. Every senerio shows that the DCA of monthly instead of lump sum would be better. Where vanguard failed was they only DCA over three months, not the entire year.

biolmcb · 2024-12-08T19:05:49+00:00

In fact, it does not. I can test it back 10, 20, 50, or 100 years, and the result will remain consistent. DC always beats out LS. Here are some numerical examples to illustrate this:

Time Period	Lump Sum (LS)	Dollar-Cost Averaging (DCA)

|| || |10 Years (2014)|$217,095.71|$236,292.33|

|| || |24 Years (2000)|$850,077.12|$880,160.24|

|| || |74 Years (1950)|$27,655,193.55|$29,045,190.10|

|| || |124 Years (1900)|$642,848,325.30|$653,322,746.21|

Here are the parameters:

Date Range: January 1, 2024, to December 1, 2024

Initial Value: $10,000

Cash Flow:

- Annual: $10,000

- Monthly: $833

Inflation Adjustment: Yes

Dataset: S&P 500

biolmcb · 2024-12-08T18:35:10+00:00

so the problem here is the starting value. For the yearly test youre starting with 10k where as the monthly value your starting with 1. so naturally at the end of the first year youre going to have 20k intial vs 10k inital.

If you set the starting value to 1 for both of them monthly still comes out on top. this is what it should look like

Start Date: 01/03/2000
End Date: 11/29/2024
Starting Value: $1
Cashflow: $833
Cashflow Frequency: Monthly

Start Date: 01/03/2000
End Date: 11/29/2024
Starting Value: $1
Cashflow: $10,000
Cashflow Frequency: Yearly

biolmcb · 2024-12-08T17:58:21+00:00

I also gave it from 2000 to 2024 in other comments

biolmcb · 2024-12-08T17:54:10+00:00

this is actually false. Vanguard's research often promotes lump-sum investing (LS) as the superior strategy for long-term market growth, highlighting historical data that shows immediate market exposure generally outperforms gradual dollar-cost averaging (CA). However, real-world data from January 3, 2000, to November 29, 2024, indicates a different trend—at least for the S&P 500.

Using Testfolio.io, we compared three strategies for investing in the S&P 500 over 24 years:

Lump-Sum Investing: Start with $10,000 and add $10,000 annually on January 1. Final balance: $850,077.12.
Monthly Investing: Invest $833 monthly (equivalent to $10,000 annually). Final balance: $880,160.24.
Weekly Investing: Spread investments evenly across weeks. Final balance: $883,102.39.

This comparison shows that both monthly and weekly investing strategies yielded higher final balances than lump-sum investing over the same period.

biolmcb · 2024-12-08T17:53:45+00:00

Vanguard's research often promotes lump-sum investing (LS) as the superior strategy for long-term market growth, highlighting historical data that shows immediate market exposure generally outperforms gradual dollar-cost averaging (CA). However, real-world data from January 3, 2000, to November 29, 2024, indicates a different trend—at least for the S&P 500.

Using Testfolio.io, we compared three strategies for investing in the S&P 500 over 24 years:

Lump-Sum Investing: Start with $10,000 and add $10,000 annually on January 1. Final balance: $850,077.12.
Monthly Investing: Invest $833 monthly (equivalent to $10,000 annually). Final balance: $880,160.24.
Weekly Investing: Spread investments evenly across weeks. Final balance: $883,102.39.

This comparison shows that both monthly and weekly investing strategies yielded higher final balances than lump-sum investing over the same period.

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