Megabill implications for anesthesiologists

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UscGhost said:
Thats another reason it wont be used as a currency.

If you get paid .0000001 bitcoin for a shift at Walmart, in this new world, and then it goes up in value, you have to pay taxes on the gains? But..how to we determine its value..oh wait..we have to convert it to dollars to do that.

So we need a local currency
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True. But eventually that bitcoin gets traded among the super rich. Dirty money for clean money and exported out to Monaco to pay for stuff even at Walmart.

That’s how hotels are purchased by mega rich Russians and other shady rich guys. Non taxed dirty money to overpay for hotels (I’m sure trump did that also buying hotels) (see. I do the introspection) People always wonder why rich people over pay for hotels that devalues 5 years down the road. Because most of that money is dirty. So when they sell even as a loss. It’s clean money. That’s all they care about.

Same with all these 10000% gains from crypto. I don’t even know anyone who even reports captials gains on crypto.
 
TeslaCoil said:
No sorry. I may not have a crystal ball but Ive never been more sure about anything in my life. Bitcoin is gods money. And therefore I stack a lot of it. Its probably 20% of my portfolio. But I also live a financially conservative life in preparation for the incoming doomsday you keep referring to. Which I'm also quite sure is coming. Talking to you, however, is like talking to a wall. You are so blinded by your hate for conservatives that you’re completely unwilling to open your mind. Bitcoin is not “beanie babies”. Can you send beanie babies to your cousin who is starving in Ukraine with the push of a button? Can you put a whole bunch of “beanie babies” into a duffel bag when this country has been pillaged into oblivion and you have to flee to save your family? No. When bitcoin is worth a million a piece will you then at least open up to what it actually is and does? Only an ignoramus likens bitcoin to something like tulips and beanie babies. You as a physician (if you are indeed a physician) should be able to amass at least one whole coin, and that would be my absolute recommendation. But hey if you want to go down with the ship, see ya!

You could compare beanie babies to meme coin crap. Not bitcoin.
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@TeslaCoil, if the ship is going down, bitcoin won’t save you. Yours is an apocalyptic view of the future. You sound like a prophet from the Old Testament. Let’s keep our personal eschatology out of our practical financial advice until such time as there is indeed a world changing event where somehow the block chain survives and you can still buy a bag of Spicy Nacho Doritos and nail clippers from Walmart with some “fungible” Bitcoin. God speed.
 
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aneftp said:
I valued certain aspects of my financial resources.
I don’t like paying for electricity in the house. It saves me probably $100 extra each month.

I’m not the only one. Even with electric cars. Everyone is cheap and tries to charge at the hospital electric parking slot to save themselves $3 per charge probably. So lots of complaints people weren’t providing common courtesy to move their electric cars after they were done charging. The admin decides to starting for electric car usage. It’s 50 cente per hour to charge around 25 miles per hour range. You are talking the average person in only needs to charge it 1 hour at most. And now no one uses those charges.
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NumTacos said:
@TeslaCoil, if the ship is going down, bitcoin won’t save you. Yours is an apocalyptic view of the future. You sound like a prophet from the Old Testament. Let’s keep our personal eschatology out of our practical financial advice until such time as there is indeed a world changing event where somehow the block chain survives and you can still buy a bag of Spicy Nacho Doritos and tail clippers from Walmart with some “fungible” Bitcoin. God speed.
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I do think it will be the end of world if financial markets collapse. And nothing will matter. Nuclear wars will be launched. Because people are that selfish.

I can’t see those hedge fund bankers like GameStop plotkin wanting to go back to peasant lifestyle and his was a minor blip in financial radar in 2021. Just look how his “friends” saved him.

Goldman Sachs was done in 2008. They even admitted they don’t know if they could have survived. It’s the domino catastrophic effects that sinks everything.

Maybe we do need to test that. But it’s easier for a poor person to remain poor. Than a rich person having to become poor again.
 
aneftp said:
Dude. I refute most of the stuff you say and you are just the wall you claim others are. If I’m wrong. I’d admit it. Unlike most of you on this board.

That’s the difference. When someone calls someone psychopath narcissist. It’s really reflecting who they are. Have you seen all these crazy women their husbands narcissist. It’s the most overused word.

You probably feel sorry for people who have fibromyalgia just like the rest of the liberals when it’s just a made up diagnosis for 70-% of the people wrongfully diagnosed with it.
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I only feel sorry for people who truly can’t change their behavior. Every time you start decently, you always end with a nose dive straight into the ground. I actually think you are incapable of understanding how your past statements on this board are not from a self reflective person, and I have my doubts if they are from a compassionate person. Just because you are anonymous doesn’t mean you can’t be judged.

I truly hope you aren’t like this around your patients, and it’s probably better that you are an anesthesiologist. But boy, you make my case every time, every day. And yes, you have a few fellow travellers on this board, but I think even they realize that you are few standard deviations from the mean in terms of your behavior. Hopefully one day you can learn some self insight. Doubtful though.
 
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TeslaCoil said:
Ok 1) You dont know what you’re saying. I wasnt born yesterday. I know there are other ways to prepare, and thats why Im diversified. But yes, after reading multiple books about bitcoin and taking a college level course on it, Im convinced its the BEST way to hedge against inflation. Along with gold. Real estate to a degree, yes, until the crisis spills over into that market. Which will also happen eventually. Personally I think its not smart at all for anyone not to have any bitcoin exposure at this point. But okay. Do you.

2) I dunno when the real doom will start, but I think its obviously incoming at some point. Eventually it will be time to pay the piper somehow. A great great depression? WW3? Who knows. Not even the greatest economic scholars know how this will play out.

3)Im aware there are other ways. Im probably 35% real estate. Maybe more. Im probably, I dunno, 30ish% stocks/funds.

Again, my advice to any physician is to acquire just 1 bitcoin and call it a day. But you better get moving because theres not much left, and it wont be affordable for much longer.
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Time will tell

Doom has been obviously incoming for a couple decades now. Has the financial irresponsibility accelerated? Sure. My suspicion is that we'll endure grinding inflation in fits and spurts, with periods of tranquility, and periods of panic (market crashes, recessions) over the next few decades. The USA, with its massive supply of natural resources, ability to feed itself, industry, universities, nuclear weapons, and a bloated military that will remain bloated even if huge cuts hit ... will be in a far more enviable position than Europe, China, India, the Pacific Rim, Africa, South America, anywhere.

After all ... who's winning the trade now? The country trading soon-to-be-worthless dollars for finite resources mined elsewhere, or the countries trading their resources and polluting their land and sweatshop'ing their people in return for those soon-to-be-worthless dollars? It's the biggest scam in history!

If things get bad enough that only the bitcoin early adopters survive above the poverty line, there won't be anything worth buying with those bitcoins. Flee to another more stable country with your bitcoin? Good luck. Good ... luck.

1 bitcoin and call it a day? So if BTC hits $500K in a rosy scenario where bitcoin actually exceeds the market cap of gold, and you turn $100K of 2025 purchasing power into $500K of 2025 purchasing power at some point in the future, that's going to be the difference between a happy prosperous life and misery?

You guys wildly overstate the importance and essential nature of having some bitcoin. It's just one asset, among many. It has its own risks. The future appears heading in a poor direction, but the nature of the problems and especially their timing are uncertain and hard to predict.

I don't think owning bitcoin is going to hurt you. I hope you make some money off it.
 
aneftp said:
True. But eventually that bitcoin gets traded among the super rich. Dirty money for clean money and exported out to Monaco to pay for stuff even at Walmart.

That’s how hotels are purchased by mega rich Russians and other shady rich guys. Non taxed dirty money to overpay for hotels (I’m sure trump did that also buying hotels) (see. I do the introspection) People always wonder why rich people over pay for hotels that devalues 5 years down the road. Because most of that money is dirty. So when they sell even as a loss. It’s clean money. That’s all they care about.

Same with all these 10000% gains from crypto. I don’t even know anyone who even reports captials gains on crypto.
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So.. Bitcoin will be relegated to being used as a shadow method to transfer wealth amongst the super rich?

How is that even remotely close to be used as a post apocalyptic currency?

Its like any new technology. If its going to displace an absolutely massive existing technology (dollars) then it will need to be easier to use, cheaper to use, better and more intuitive and culturally acceptable. In terms of currency, it additionally needs to exist in massive quantities, have a stable and predictable value and be widely accepted.

Bitcoin doesnt check most of those boxes.

EL salvador made a big show of accepting bitcoin. But the locals dont use it transactionally. They use it because el Salvador relies on families sending in money from outside...so its a quick way to get money into the country.

But then its quickly converted to local currency to be used
 
pgg said:
Time will tell

Doom has been obviously incoming for a couple decades now. Has the financial irresponsibility accelerated? Sure. My suspicion is that we'll endure grinding inflation in fits and spurts, with periods of tranquility, and periods of panic (market crashes, recessions) over the next few decades. The USA, with its massive supply of natural resources, ability to feed itself, industry, universities, nuclear weapons, and a bloated military that will remain bloated even if huge cuts hit ... will be in a far more enviable position than Europe, China, India, the Pacific Rim, Africa, South America, anywhere.

After all ... who's winning the trade now? The country trading soon-to-be-worthless dollars for finite resources mined elsewhere, or the countries trading their resources and polluting their land and sweatshop'ing their people in return for those soon-to-be-worthless dollars? It's the biggest scam in history!

If things get bad enough that only the bitcoin early adopters survive above the poverty line, there won't be anything worth buying with those bitcoins. Flee to another more stable country with your bitcoin? Good luck. Good ... luck.

1 bitcoin and call it a day? So if BTC hits $500K in a rosy scenario where bitcoin actually exceeds the market cap of gold, and you turn $100K of 2025 purchasing power into $500K of 2025 purchasing power at some point in the future, that's going to be the difference between a happy prosperous life and misery?

You guys wildly overstate the importance and essential nature of having some bitcoin. It's just one asset, among many. It has its own risks. The future appears heading in a poor direction, but the nature of the problems and especially their timing are uncertain and hard to predict.

I don't think owning bitcoin is going to hurt you. I hope you make some money off it.
Click to expand...
Thats your math. My math says it most definitely will far exceed the market cap of gold, and should be a mil per coin by 2032 at the latest. I agree with your analyses on some things. Like your first paragraph above. I disagree about your bitcoin projections. I firmly believe 1 btc will be completely life-changing within a decade and generationally life changing within 2-3 decades. I agree the world is not going to collapse tomorrow. But we’re already seeing conflicts forming in the world over resources and economic interests. Who knows where it will go, but I think bitcoin is an excellent hedge. Thats just me. If you do some seriously deep diving, you’ll get it.
 
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chessknt said:
It is an incredibly succinct way to admit that you lack any and all form of introspection. Like a bot account that was instructed to behave in a way that always showcased and reflected the qualities of a pure narcissist.
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Again. The overuse of the word narcissist. Only true narcissist over use that word. It’s almost like you guys are pavolv dogs trained to immediate react to any words of advice I give and use the word narcissist.

Maybe liberals are indeed an extension of Pavlov dogs who are trained and don’t know how to respond to objective criticism.
 
aneftp said:
Again. The overuse of the word narcissist. Only true narcissist over use that word. It’s almost like you guys are pavolv dogs trained to immediate react to any words of advice I give and use the word narcissist.

Maybe liberals are indeed an extension of Pavlov dogs who are trained and don’t know how to respond to objective criticism.
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Rubber vs glue eh?

Flawless victory

What about fibromyalgia though?
 
NumTacos said:
I only feel sorry for people who truly can’t change their behavior. Every time you start decently, you always end with a nose dive straight into the ground. I actually think you are incapable of understanding how your past statements on this board are not from a self reflective person, and I have my doubts if they are from a compassionate person. Just because you are anonymous doesn’t mean you can’t be judged.

I truly hope you aren’t like this around your patients, and it’s probably better that you are an anesthesiologist. But boy, you make my case every time, every day. And yes, you have a few fellow travellers on this board, but I think even they realize that you are few standard deviations from the mean in terms of your behavior. Hopefully one day you can learn some self insight. Doubtful though.
Click to expand...
Yup. I feel sorry for you. You won’t change. You are blockbuster.

The world moves on.
 
TeslaCoil said:
Thats your math. My math says it most definitely will far exceed the market cap of gold, and should be a mil per coin by 2032 at the latest. I agree with your analyses on some things. Like your first paragraph above. I disagree about your bitcoin projections. I firmly believe 1 btc will be completely life-changing within a decade and generationally life changing within 2-3 decades. I agree the world is not going to collapse tomorrow. But we’re already seeing conflicts forming in the world over resources and economic interests. Who knows where it will go, but I think bitcoin is an excellent hedge. Thats just me. If you do some seriously deep diving, you’ll get it.
Click to expand...
What about common core math? So many new maths to math with..
 
UscGhost said:
Is it as dumb as teslacoil Bitcoin math?
Click to expand...
Very good question. I won’t claim to know the answer. I just hated trying to help my kids with common core math a few years ago.
 
TeslaCoil said:
Ok 1) You dont know what you’re saying. I wasnt born yesterday. I know there are other ways to prepare, and thats why Im diversified. But yes, after reading multiple books about bitcoin and taking a college level course on it, Im convinced its the BEST way to hedge against inflation. Along with gold. Real estate to a degree, yes, until the crisis spills over into that market. Which will also happen eventually. Personally I think its not smart at all for anyone not to have any bitcoin exposure at this point. But okay. Do you.

2) I dunno when the real doom will start, but I think its obviously incoming at some point. Eventually it will be time to pay the piper somehow. A great great depression? WW3? Who knows. Not even the greatest economic scholars know how this will play out.

3)Im aware there are other ways. Im probably 35% real estate. Maybe more. Im probably, I dunno, 30ish% stocks/funds.

Again, my advice to any physician is to acquire just 1 bitcoin and call it a day. But you better get moving because theres not much left, and it wont be affordable for much longer.
Click to expand...
How many bitcoins do you have?
 
UscGhost said:
So fibromyalgia isnt real then? I thought you said it was 70% fake and 30% real? So if i am taking a medical history, should i ask if they are lib or maga?

Curious. Any diseases that are associated with maga then, since the libs apparently own fibromyalgia?

People stopped using free charging when it stopped being free? What if they had fibromyalgia?
Click to expand...

UscGhost said:
Wait...

I didn't realize that fibromyalgia was a liberal disease. So..its made up for 70%..but the other 30% its real? How do we determine which one is real?

Wait...why are we talking about fibromyalgia? Weren't we just talking about electric car charging?

Whats the next topic??
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The highest prevalence of fibromyalgia is among the poor women. @aneftp said liberals are more likely to have sympathy for people with fibromyalgia (poor women). He could be right.
 
I have about 1btc but I feel like anyone getting into BTC now is very late to the party. I was very late…I’m up just under 200% which is not much. The time to get in was early to mid 2010s. That’s when the gamble really paid off.
 
UscGhost said:
So fibromyalgia isnt real then? I thought you said it was 70% fake and 30% real? So if i am taking a medical history, should i ask if they are lib or maga?

Curious. Any diseases that are associated with maga then, since the libs apparently own fibromyalgia?

People stopped using free charging when it stopped being free? What if they had fibromyalgia?
Click to expand...


Measles is associated with MAGA. It’s 100% real.
 
nimbus said:
The highest prevalence of fibromyalgia is among the poor women. @aneftp said liberals are more likely to have sympathy for people with fibromyalgia (poor women). He could be right.
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90% of fibromyalgia diagnosis are women (and trans men…..and yeah I had one “man” who had fibromyalgia and he turned out to be a biological woman)

I can’t find the voting block for fibromyalgia women since they make up the 90% of all diagnosis. Guess no one wants to collect that data if they vote republican or democrat.

So it’s interesting what data analyzes the mainstream want to know in terms do voting habits.

People with connective tissue and long term chronic issues due tend to oppose the ACA. (From what I researched).

That’s the only data I can find. But exclude fibromyalgia Cause it’s pretty bs diagnosis Obama approved for long term social security disability back in 2011. So they group fibromyalgia with back pain etc. chronic diseases.
 
aneftp said:
90% of fibromyalgia diagnosis are women (and trans men…..and yeah I had one “man” who had fibromyalgia and he turned out to be a biological woman)

I can’t find the voting block for fibromyalgia women since they make up the 90% of all diagnosis. Guess no one wants to collect that data if they vote republican or democrat.

So it’s interesting what data analyzes the mainstream want to know in terms do voting habits.

People with connective tissue and long term chronic issues due tend to oppose the ACA. (From what I researched).

That’s the only data I can find. But exclude fibromyalgia Cause it’s pretty bs diagnosis Obama approved for long term social security disability back in 2011. So they group fibromyalgia with back pain etc. chronic diseases.
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So then your 70/30% number was just made up?

Shocker..
 
UscGhost said:
So then your 70/30% number was just made up?

Shocker..
Click to expand...
Fibromyalgia has a significant female predominance. Studies indicate that women account for 80% to 96% of diagnosed cases

It’s high number regardless
 
aneftp said:
Fibromyalgia has a significant female predominance. Studies indicate that women account for 80% to 96% of diagnosed cases

It’s high number regardless
Click to expand...
But then..70% of those is fake ?
 
nimbus said:
I have about 1btc but I feel like anyone getting into BTC now is very late to the party. I was very late…I’m up just under 200% which is not much. The time to get in was early to mid 2010s. That’s when the gamble really paid off.
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Good for you. Thats very good. They are not late at all, but very early. Do not sell. It will be a million bucks within the decade.
 
UscGhost said:
Is it as dumb as teslacoil Bitcoin math?
Click to expand...
You’re the one who mentioned re7ard libtard math (aka common core). Hey man, dont buy any bitcoin. More for me. All you have to do is understand basic charts. Bitcoin 4 year cycle and its power law. A conservative estimate is 1 mil by 2032. According to you larry fink, michael saylor, jack dorsey etc etc, you think those guys have bad math as well? If nothing else follow the money, but clearly you are too libtarded to uncross your eyes and read about it.
 
TeslaCoil said:
You’re the one who mentioned re7ard libtard math (aka common core). Hey man, dont buy any bitcoin. More for me. All you have to do is understand basic charts. Bitcoin 4 year cycle and its power law. A conservative estimate is 1 mil by 2032. According to you larry fink, michael saylor, jack dorsey etc etc, you think those guys have bad math as well? If nothing else follow the money, but clearly you are too libtarded to uncross your eyes and read about it.
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Conservative eh?

Estimates are that worldwide wealth is about 80 trilllion.

21 million bitcoin in existence x 1 million per coin = 20 trillion

So, 1/4 of all worldwide wealth would be in bitcoin on 7 years? Thats the conservative estimate...

Shoot, Trump should just establish a national bitcoin reserve. And then sell it in 7 years to wipe out the debt!
 
NumTacos said:
@TeslaCoil, if the ship is going down, bitcoin won’t save you. Yours is an apocalyptic view of the future. You sound like a prophet from the Old Testament. Let’s keep our personal eschatology out of our practical financial advice until such time as there is indeed a world changing event where somehow the block chain survives and you can still buy a bag of Spicy Nacho Doritos and nail clippers from Walmart with some “fungible” Bitcoin. God speed.
Click to expand...
See this is why you’re a tool. My view of the future is not bleak at all. I am simply preparing for worse case scenarios like intelligent people do. You wont get it.
 
pgg said:
Time will tell

Doom has been obviously incoming for a couple decades now. Has the financial irresponsibility accelerated? Sure. My suspicion is that we'll endure grinding inflation in fits and spurts, with periods of tranquility, and periods of panic (market crashes, recessions) over the next few decades. The USA, with its massive supply of natural resources, ability to feed itself, industry, universities, nuclear weapons, and a bloated military that will remain bloated even if huge cuts hit ... will be in a far more enviable position than Europe, China, India, the Pacific Rim, Africa, South America, anywhere.

After all ... who's winning the trade now? The country trading soon-to-be-worthless dollars for finite resources mined elsewhere, or the countries trading their resources and polluting their land and sweatshop'ing their people in return for those soon-to-be-worthless dollars? It's the biggest scam in history!

If things get bad enough that only the bitcoin early adopters survive above the poverty line, there won't be anything worth buying with those bitcoins. Flee to another more stable country with your bitcoin? Good luck. Good ... luck.

1 bitcoin and call it a day? So if BTC hits $500K in a rosy scenario where bitcoin actually exceeds the market cap of gold, and you turn $100K of 2025 purchasing power into $500K of 2025 purchasing power at some point in the future, that's going to be the difference between a happy prosperous life and misery?

You guys wildly overstate the importance and essential nature of having some bitcoin. It's just one asset, among many. It has its own risks. The future appears heading in a poor direction, but the nature of the problems and especially their timing are uncertain and hard to predict.

I don't think owning bitcoin is going to hurt you. I hope you make some money off it.
Click to expand...
Had you listened to that guy (@Surfer), you would have been a bitcoin billionaire now. I think bitcoin was <$100 at that time

S

Thread 'Bitcoin... currency of the future or fraud/scam/bubble?'

What are your thoughts on bitcoin? its a complicated currency, but I think its a fraud/bubble driven mostly by greed and a little bit by people's fears initiated by government intrusion into the international banking systems.

what do you all think?
 
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TeslaCoil said:
No sorry. I may not have a crystal ball but Ive never been more sure about anything in my life. Bitcoin is gods money. And therefore I stack a lot of it. Its probably 20% of my portfolio. But I also live a financially conservative life in preparation for the incoming doomsday you keep referring to. Which I'm also quite sure is coming. Talking to you, however, is like talking to a wall. You are so blinded by your hate for conservatives that you’re completely unwilling to open your mind. Bitcoin is not “beanie babies”. Can you send beanie babies to your cousin who is starving in Ukraine with the push of a button? Can you put a whole bunch of “beanie babies” into a duffel bag when this country has been pillaged into oblivion and you have to flee to save your family? No. When bitcoin is worth a million a piece will you then at least open up to what it actually is and does? Only an ignoramus likens bitcoin to something like tulips and beanie babies. You as a physician (if you are indeed a physician) should be able to amass at least one whole coin, and that would be my absolute recommendation. But hey if you want to go down with the ship, see ya!

You could compare beanie babies to meme coin crap. Not bitcoin.
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If this is god’s money, why do you only have a 20% position?
 
abolt18 said:
My thoughts exactly. My not 100%? Why not borrow money so you can buy more?
Click to expand...
Simple. Because I have enough by now. I dont really need to accumulate more. Id rather diversify at this point. If you have none you dont have enough. Again, i would recommend at least one whole coin for physicians with the income for it.
 
chessknt said:
You have to diversify away from guaranteed max gains. It's just good financial sense to not invest in something guaranteed to be profitable.
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🤦🏻‍♂️ Look, everyone should always do their own research. If you dont think bitcoin is good investment, I couldnt care less. I did my foot work. Its right for me.
 
TeslaCoil said:
🤦🏻‍♂️ Look, everyone should always do their own research. If you dont think bitcoin is good investment, I couldnt care less. I did my foot work. Its right for me.
Click to expand...
In terms of your research.

Do you think that Bitcoin will comprise 1/4th of the worlds total wealth by 2032?

1 mil per coin would be 20 trillion

Seems ambitious?
 
UscGhost said:
In terms of your research.

Do you think that Bitcoin will comprise 1/4th of the worlds total wealth by 2032?

1 mil per coin would be 20 trillion

Seems ambitious?
Click to expand...
I do. Not as ambitious as it would seem. Bitcoin is going to swallow financial markets. Its volatility will stabilize. It will account for a large proportion of the worlds wealth. It will easily reach the market cap of gold. Easily.
 
Getting back on topic. I do think investing in bitcoin is great.

But for the actual topic of the bill. It’s does not do anything for most of us anesthesiologists. Almost every self employer or partner anesthesiologist in state income tax state has already used the salt work around (which 30 states rubber stamped as legal anyways). So they felt nothing in 2017 and won’t feel anything in 2025.

The bill doesn’t move the needle for us.

The next democratic president will go back in and raise taxes for 2% or whatever again in 2029. It’s become comical the last 30 years.
 
aneftp said:
Getting back on topic. I do think investing in bitcoin is great.

But for the actual topic of the bill. It’s does not do anything for most of us anesthesiologists. Almost every self employer or partner anesthesiologist in state income tax state has already used the salt work around (which 30 states rubber stamped as legal anyways). So they felt nothing in 2017 and won’t feel anything in 2025.

The bill doesn’t move the needle for us.

The next democratic president will go back in and raise taxes for 2% or whatever again in 2029. It’s become comical the last 30 years.
Click to expand...
I will use that SALT deduction since they increase it to 40k
 
Splenda88 said:
I will use that SALT deduction since they increase it to 40k
Click to expand...
As long as u keep ur agi less than 250k as single or 500k as married. That should give u a $3k tax savings

$31k standard deduction vs 40k salt tax deduction

It’s extremely complicated because you may pay back $500-800 dollars in amt taxes with the 3k tax savings under the new tax laws

That’s why I said this new tax law barely moves the needle for most docs even with the salt tax savings under new plans raised to 40k.
 
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