▲ 47 r/stocks

Why is there zero outrage over politicians committing insider trading?

I'm talking about a riot, actual outrage. Every day I see people scream over minor culture war nonsense, but where is the outrage over open corruption? I'm neither left nor right-wing, and I'm talking about blatant stuff like insider trading like in the case of Nancy Pelosi or the president doing something that's clearly against the law.

A physician colleague of mine moved to the US to practice medicine. His parents sent him some funds from abroad to help settle in and cover training expenses. Like most normal people, he had no idea what IRS form 3520 (foreign gift reporting) was. Because the money touched his personal account, the IRS hit him with massive automatic penalties even though foreign gifts have $0 in US tax liability. Now an essential worker is spending thousands on attorneys just to fight an innocent paperwork oversight.

Miss one obscure disclosure form on non-taxable family money, and the government tries to bankrupt you. But sit in Congress and trade millions on privileged information? Business as usual. Like are we living in a third world country or what?

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u/conservamus — 4 hours ago

Going to a $650k private school still doesn't make sense even if you're rich

I saw a bunch of posts without much data to back this up where they claim that NYU, USC, expensive private schools are now only for the rich kids. And this is due to the BBB/private loans. Although I do agree that the new policy will ward off students who need to take out massive amount of loans, it still doesn't make financial sense.

Let's say you can fully afford to attend NYU, with its tuition increase over 4 years at $700k. You can literally do anything else and still come out on top. Let's just use the nominal, conservative rate of 8.5% compound interest, that's close to $13-15 million at retirement if you actually invest the $700k instead of paying for dental school lump sum. With dentistry not having much inflation-adjusted income, that's $375k a year average.

Sure this assumes that you let the money compound until retirement but you can still literally do anything else for those decades instead of being a dentist and would still have similar, if not higher, annual average income.

Practically the only way to make dentistry worth it nowadays is to get a full ride scholarship or go to a state school/specialty with total loans less than $350k. Being able to afford something doesn't automatically make it a good financial decision. Wealthy families should still ask whether the expected return justifies the cost. Now for those who actually need to take out $600-700k of loans, good luck.

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u/conservamus — 1 month ago
▲ 193 r/newborns+1 crossposts

Wow, I didn't know the first few weeks would be this hard

I have a deep and newfound respect for parents and new parents in general. I thought that the labor process would be difficult, which it was, but nothing prepared us at all for caring for newborn. It's basically a full time job even for both of us. Given that my baby is pretty chill, I know I got lucky there. She's however almost always active the whole night, and I think that's the hardest part for us - very little sleep.

What has your experience been like? Does it get better over time? Any tips and tricks at all?

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u/conservamus — 2 months ago
▲ 312 r/BMW

Is hating a design a group-think or is this car really ugly?

Serious question. I’m collecting some data/opinions for my project in human psychology - specifically looking at how people react to new aesthetics.

Can't help but notice on a lot of BMW forums back then that people were complaining about the current M4/M440i when it first came out. Now a few years later, I feel like that design is completely normalized and people simply shifted to whatever the new design releases. Do you think we are conditioned to hate something that's unfamiliar or is it actually ugly?

u/conservamus — 3 months ago

How many of you actually don’t care about the cost. Just love dentistry and will grind as hard as it takes to pay it off?

Yea that was me when I was 21. Resume up until then was that I worked 3 summer jobs and shadowed 2 dentists for 100 hours, and I was ready. I was the Spartan King of dentistry just like in this picture. The difference is that those aren't arrows. They're delta dental slashing my PPO reimbursements by another 15%. They're class 2s on second molars on the patients that can't open their mouths every day. They're $5,500 post tax payment on student loans for a few decades. I didn't have a plan. My plan was to be like the dentists I shadowed who make 800k a year. It's still not too late to consider your options.

u/conservamus — 3 months ago

For experienced grads out there, does dentistry still sometimes feel exhausting for you?

Hi everyone, I've been a dentist for almost a decade now. Even though I would consider myself experienced, I still somewhat leave the clinic feeling drained. I'm trying to figure out if it's just me being an introvert or just the reality of this profession.

I generally do good work, but every now and then I have an average/bad outcome - like a not perfect class 2 on an x-ray during recall or a patient comes back with post-op sensitivity. I know it's partly an unpredictable thing, but that derails my confidence and feels like a personal failure sometimes. Even when the patient is happy, it translates to high expectation that I need to maintain that.

I also figure that this isn't like an ice cream shop, so most people are just unhappy as their baseline, scared of the pain and the hefty bill. I feel like you can still do a flawless procedure and have good bedside manner but some patients will still leave bad reviews because it's subjective to them. For me as an introvert, it carries the negative energy all day. I'm still happy with the career that I chose, but it's tiring because dentistry is a people job and I feel like I need to be more patient and "on stage" for different pts personalities all day.

What do you guys think?

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u/conservamus — 3 months ago

How do you guys not get rage baited by parents' unsolicited advice?

Hi everyone, I'm not sure if this is specific to my situation. My parents are somewhat narcissistic but not to the extreme extent. I also have to add that they do not intentionally rage bait.

Let me give you an example - they saw my picture on Facebook and told me that they're very concerned that I've lost weight (the picture was taken from a wide-angle view and I haven't lost any). They were very concerned that I wasn't eating enough and gave me advice on what to eat/how to supplement with which food....and I work as a nutritionist

Now, it all seems innocent and well-intention, but here's the problem. 1) Their advice is of poor quality "bro-science" from stuff they see online 2) Most are unsolicited 3) There are often accusatory without evidence 4) They're way too many of them during each phone call

I don't hate or dislike them, but slightly annoyed by all these advice and still want to keep in touch. How do you guys deal with this?

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u/conservamus — 3 months ago
▲ 1 r/IRS

Got this in the mail saying that they cannot deposit my 2025 form 1040 refund and that I need to add a bank account? I file married/jointly in California. When I went to their website, it shows $0 expected refund amount and just return received? There's a QR code with the CP53E notice as well. What's going on here? thank you.

u/conservamus — 4 months ago