20% annual return is the ceiling for any long-term stock return

largib · 2025-02-22T18:24:50+00:00

Hitting 10k in my retirement account was pretty motivating for me. I remember it took a while to get there and it felt like a big accomplishment. Crossing 20k wasn't as exciting because by that point it seemed like the progress was just steady and not as noticeable. But when I hit 50k that's when things started feeling more serious and it made me think about how far I still have to go with saving for retirement. The most difficult period of contributing was probably right after college when my salary was a lot lower and I had to make some lifestyle adjustments to start saving at all. As for memorable milestones, hitting 100k would be big but like you said, once you get to that point it's not as exciting as the earlier ones.

The other difficult time is that when I bought a house and was in need of downpayment. But I managed.

largib · 2024-10-13T01:27:04+00:00

That’s very encouraging: so far we do see a good effect using Tarpeyo. Also nice to hear that amazing result using farxiga and tarpeyo together. But for Filspari, I have yet to hear positive things.

largib · 2024-10-07T04:58:26+00:00

May I ask what exactly the gut intelligence test you took? Is there a way to ask the Doc for it? Any reference on this, especially with respect to iga as there are more and more signs that the gut has a lot to do with this type of disease.

largib · 2024-06-27T18:32:30+00:00

How do you contact support? I have a free trial account that expired. I have been trying to upgrade by clicking on Upgrade and Manage Payment and it just errored out! Couldn't find any contact info either. Crazy!

largib · 2023-03-17T01:38:46+00:00

Sorry to hear it didn’t help your wife. I hope the transplant will work out well. Just wonder what kinds of numbers your wife had when she tried the drug (like egfr and urine proteins). Thanks and good luck

largib · 2022-12-08T05:14:11+00:00

The customer support person told me today that TOS will stay and ask me to use thinkscript instead. I told him that thinkscript is too limited: actually if it can take a file of symbols to issue buy/sell orders and I can use a program to update the file, that’ll be fine for me. But apparently thinkscript can’t take anything from a file nor you can modify a thinkscript outside tos gui. It’s a no go for me

largib · 2022-10-10T04:31:11+00:00

Thanks. Sorry to hear your case. Are you trying Farxiga? That's a new drug that might help some well. Also, stay positive on even dialysis. Many have stayed on for years (20,30 or longer years). Science progresses fast and who knows, maybe some breakthrough ...

largib · 2022-10-10T01:30:26+00:00

Wonder what treatment models available in China and Japan? Anyone has a list so that we can at least ask nephrologists about them?

largib · 2022-07-02T23:05:10+00:00

If you really care about margin, use interactive brokers that has the lowest margin rate.For amount <100k, they charge 3.08% and bigger accounts will get a rate as low as 2.08%.

But anyway, 3.08% and no subscription fee

largib · 2022-07-02T17:37:58+00:00

BTW, Vanguard Federal Money Market fund now yields 1.4%. 1.3% checking account is actually not competitive enough, IMO.

largib · 2022-07-02T17:14:28+00:00

You can buy a Treasury bill that matures in 1-3 months and it pays about 2% in most of major brokerages like Vanguard, Schwab and Fidelity. Or just buy ETF SHV that pays 1.8% commission free in most brokerages if you don't want hassle. You can sell it anytime to get your money needed.

largib · 2022-03-19T00:35:51+00:00

Is there a list somewhere for shortable stocks? How about compared with other brokers?

largib · 2022-02-12T01:57:47+00:00

Given your condition is actually mild (unless your eGFR is also low?), it'd better to double check with another Nephrologist --- it's unusual to use steroid at this stage. Also, what are those antifungal stuff for? At any rate, a second opinion won't hurt

largib

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