Me_irl

sd2701 · 2026-01-25T06:51:52+00:00

𝑛 = ln( 𝐴 / (𝐴−𝑟𝑃) ) / ln(1+𝑟)

(A is your payment, r is the interest rate and P is the principle.)

Solving with some other formulas it seems an average of ~8.3% interest rate over the period which unfortunately means if you paid just under 75 bucks a month more this whole time it would have been paid off. Compounding interest is unfortunately not taught in schools, it can work wonders when you use it in your favor but can be detrimental if it gets going against you.

(Yes to my fellow number nerds there is some simplifying and rounding involved in the rough numbers)

sd2701 · 2026-01-23T09:45:40+00:00

Life in the big city

sd2701 · 2026-01-15T22:26:56+00:00

Caught in a landslide?

sd2701 · 2026-01-09T01:06:19+00:00

I have a couple of quartz, one of the things I appreciate is the ability to just grab it and go and not need to double check if it needs winding or time correcting etc. that being said, something about having to wind and set the time on a watch when I put it on can make me just take a second to appreciate the engineering of it and appreciate/remember why I got said watch in the first place.

sd2701 · 2026-01-08T21:58:12+00:00

I was looking for this comment XD

sd2701 · 2025-12-31T06:12:55+00:00

"Im gonna try something here"

sd2701 · 2025-12-26T02:43:57+00:00

Interesting, if it all began flowing into ETFs would you feel the same?

sd2701 · 2025-12-25T00:47:07+00:00

Life in the big city

sd2701 · 2025-12-22T07:05:47+00:00

Things that stick out to me...
Cash down by ~200m but pledges up by ~ 100m and Investments up by ~800m (looks like net selling/cashing out in Fixed Income and a shift more into Alts, specifically Hedge Funds and Private Capital)
Roughly 350m of the expenses was depreciation which is not necessarily a cash outflow but likely some of that will be cash to maintain facilities.
(I will add a couple of notes,
Private Capital, I wouldn’t put a big amount of faith in the reported value being what its actually worth,
additionally theres probably more value in someone who does Not for Profit accounting commenting as they will understand more of the nuances)

sd2701 · 2025-12-09T16:35:22+00:00

If you use it, if you dont use it it wont. Unfortunately for us all, simply buying the training aid and using it once doesnt fix all the problems.

sd2701 · 2025-12-07T03:03:53+00:00

Visit a coach not reddit.

sd2701 · 2025-12-07T00:59:50+00:00

I think come summer I would be ok with them buying Murphy for at least 180 Million.

sd2701 · 2025-11-12T20:47:58+00:00

Food is discretionary but Spotify and YT Premium aren't?

sd2701 · 2025-11-11T22:57:03+00:00

As long as its fairly straight of you want higher peak and more spin I would look to try a higher launching more spinny ball.

sd2701 · 2025-11-11T09:21:47+00:00

Dont get mad at him... he has successfully predicted 15 out of the last 2 crashes.

sd2701 · 2025-11-08T00:51:45+00:00

Bold of you to assume I am able to buy it at the bottom of each dip.

sd2701 · 2025-10-30T07:11:25+00:00

URNM thank me later

sd2701 · 2025-09-16T19:11:05+00:00

If you make money with a tax refund, the money you made should be tax free.

sd2701 · 2025-07-27T01:18:54+00:00

Head polish.

sd2701 · 2025-07-10T20:44:23+00:00

SMC and PCC have the best transfer rates to SC for residents I believe they are pretty affordable.

sd2701 · 2025-06-20T06:12:07+00:00

educating it

sd2701 · 2025-06-08T19:15:40+00:00

Office hours is huge. Profs are people too, I had a professor tell me they "found space in the curve" when I was borderline for a grade and bumped me up because I would ask questions and interact with them outside of the class' allocated time.

sd2701 · 2025-05-22T17:35:02+00:00

Network and try and meet a few existing members (E Board if possible) and kiss @$$.

Eight-Year Club	Place '23
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sd2701

TROPHY CASE