MD

friedbymoonlight

Should have got an MD instead of that associates in business 

LCJonSnow

My little brother was pursuing a PhD at MD Anderson's cancer center, and his former roommate *is* a PhD graduate and current post-doc there. If there's one thing I've taken away from them talking at family events, things can be hyper-specific with cancer. I'm not taking it as a given that this will be widely applicable to other cancers. Medically, this is huge. If it extends to a broad variety of other cancers, this is earth-shatteringly huge. From a stock standpoint, I don't know if this is as huge as represented. I'm assuming a high dosage cost because off the customized nature of the vaccine. 40% of people eventually getting cancer means somewhere from 0.5% to 1% are getting it annually. Of that, *many* aren't going to be able to afford a high drug cost. Given the labeling as a vaccine, I'm assuming (article is paywalled) that this is a single dose or low dose count treatment. If we're comparing to a GLP-1, we're comparing to a relatively low cost dosage that requires constant usage during the treatment period. That treatment period is long for most people, and virtually unending for some number of people on the drug. With a bespoke cancer vaccine, we're comparing to a high cost single/low dose count treatment. That treatment is then completed for that particular cancer. I also suspect you'll see tighter government control on pricing for a cancer drug than you will for a diabetes/weight loss drug. For all of that reason, I think it's significantly smaller drug from a pure financial standpoint.

buyatollah_kuminamy

Pimple popper MD had insider info

SerEx0

There’s a difference between old money and new money. Old money doesn’t apply to what I said because they are maintaining socioeconomic status, not moving up. Focusing then on upward mobility, you absolutely need to do all of those things. The easiest example is a professional athlete. You don’t just become Tom Brady or Shohei Ohtani without working tirelessly on the sport. It is only through dedication that they achieve the excellence that afforded them wealth. I have a good friend is DACA. He who grew up very poor and had to work as a dishwasher to help pay for his undergraduate education because he didn’t qualify for student loans as a non-citizen. He graduated from college, took the MCAT, got into medical school, applied for every scholarship available, and took years off for paid research roles to earn enough money to continue his education. He became a MD, went to a prestigious institution for general surgery residency, took several years off for research to make himself a better candidate for sub-specialization as a colorectal surgeon. He is currently finishing up his residency and applying to fellowship programs. He is an impeccable applicant because of how much adversity he has overcome. Youth today does not face more adversity than someone who grew up in the US under DACA-status did. It has taken him about 20 years since graduating high school to get to where he is and in the next 10 years he will easily earn enough money to be a multimillionaire. His relentless effort and determination is what is driving his success, which in turn will create wealth. Nothing was given to him and everything was earned.

MaximumUltra

Thank you for the details. That is similar to what we have done at our company. We initially generated a series of MD files for the main aspects of the business as a foundational context form which to prompt. Problem with that was that over time those MD files would get bloated and messy which would muddy the conext. We then switched to a graph solution by splitting context out into small notes and connecting them via a wiki link structure (ie. via Obsidian), that lowered token costs for recall and helped keep context clean for a couple months but as we kept operating even the graph had dead zones in it with outdated context. We have been working internally on a dynamic memory system to solve this problem once and for all. That’s why I’m curious what others are going through with this issue.

Alone_Perception_241

i thought the MD was a joke at first but no that's actually his title in the movie lol

Saltlife_Junkie

I did that yesterday but it wasn’t fun. Who knew inflation was low? I live in MD. Apparently I need to move. Inflation here is high but everywhere else it must be low! Hahaha

Aggravating_Tie_4577


onepingonlypleashe

Taco Bell is expensive as fuck now. My local TB in MD is $13.50 for a combo meal. That’s fucking insane and why I don’t go there.

D74248

It is more complex than just downside protection. Sarting with [Sequence of returns risk](https://www.investopedia.com/terms/s/sequence-risk.asp) When you are younger risk is seen in the context of long term returns. However, in retirement there is the risk of outright failure. Would your relative rather have a portfolio with a 30% chance of leaving his heirs very wealthy, a 40% chance of doing OK and a 30% chance of him living out his life in a Medicaid nursing home, or one where the odds were 5%, 85%, 10%? Your relative needs to come to grips with sequence risk, inflation risk, longevity risk and market risk. The whole package is a tough nut to crack, and William Sharpe [far more qualified than anyone posting here] famously called living off of a portfolio the "nastiest, hardest problem in finance". [Book suggestion 1](https://www.amazon.com/Living-Off-Your-Money-Retirement/dp/0997403403/ref=sr_1_1?crid=JJILC39CPH1D&dib=eyJ2IjoiMSJ9.19zhh2mfVa-U48apMLCduzGO1ShynFsxddJirtOyOBwTov2DMIA1V8jxeISrX6-K7F1HARPka6aUExvhAR1sgrru0545Q77wvbszoMM-HYIKHbijo0JxTe05bcUT4gQwQG27EMRbrW6D8I5Rs9F7trKOLYuyTmy2EoV3iBJTwBQNjQoSCALY9992AYVceNVmK73q_vNextlBWVUCKTrTelQk38KG8a__g7RVqMoJQP0.0OzFgbi5w_EG4CieRyrOuEXArwF9f57yA-4lXcyHKao&dib_tag=se&keywords=living+off+your+money&qid=1786443488&sprefix=living+off+your+money%2Caps%2C186&sr=8-1) [Book suggestion 2](https://www.amazon.com/How-Much-Spend-Retirement-Investment-Based/dp/1945640022/ref=sr_1_2?crid=39SMRZFWP59XZ&dib=eyJ2IjoiMSJ9.WnAYktPR8wBy3vQSVBSSDivs19AXBLVF5bTXRFvSOAftML6GbK8GD6g-SF55jEdK5xOkaQ3GXDqk8A6IVBFVE8v3ABAmDcCdJRb-MD7VRHNLShyrjDpEmhndgiY2dd6hTPdOD1BMlLsNGMu97VpL7CFlpL1mOIu75ceBGXhFagJQS_aqx_QJQXzBCiJjlUJId6J7MDKys5RPpIcoCHFT6rnSHEYuowJUsfvjyXzozsU.TK2CvXDK5g6I6EY3bibim1ut0e6mkkxt1cH-v0sx-5I&dib_tag=se&keywords=wade+pfau&qid=1786443523&sprefix=wade+pfau%2Caps%2C161&sr=8-2) [Book suggestion 3](https://www.amazon.com/Bond-Book-Third-Everything-Treasuries/dp/007166470X/ref=sr_1_1?crid=6SBJWSXN90BI&dib=eyJ2IjoiMSJ9.fVr-jhRGe64HwwsW88qnRecJmk0qviTx9CbxzbyKHaCubvWvM__TxbTCIp34gNzQY2rElfGodGu_szXGtfE5z0AJ3BD9GatBVuMuJYKTICrvBgLxkCc58w4D8vrnO3Wm1EsP9ereUTapoNSTVzXBLdA7UUT1gcp-H6HzLMq7HCfARsEk6M5nMr1ffVxJJy9UFmKCTYTxwYP7BBwl7vRjizzK64zkscsniBuWAcRVyn8.cULq_FMG0GCRKnFMtsVFayAo07mhkbZW08fAeaTnHfk&dib_tag=se&keywords=the+bond+book&qid=1786443618&sprefix=the+bond+book%2Caps%2C166&sr=8-1)

Ahun_

Why do you want to retire?  Get the money and the look into a career you like and love. With fire money you can even become an MD and not give a fuck about toxic superiors, you just move on.

WorldlyWar2143

I'm sorry about your friend. I hope he looks down and guides you through times you don't have the answers to, and protects you from those very same thoughts. Thank you for your kind words about me, I guess I just try to love, even when I should stop. It's just hard, it really is. I can't say I'm a stranger to those thoughts, but, I think i'm in a fairly planted place these days. I would never leave my cat alone in this world lol, nor my cousins or other family who'd probably be sp beyond upset. Honestly, those thoughts never came from her though. I guess it's a proper fear that she may be a breaking point for me though. I've got alot of shit from my past, that still comes up and persists through today. It makes life, really really hard. At first, she made it alot easier. She made it fun, and bearable, and gave me feelings of hope and everything else there is to say. It just really has been rough lately, and seemingly so so up and down. I don't know what to think. I've tried to have these conversations with her, and set boundaries or limits, but, I also feel like it's not so black and white. I always find myself asking - what about her. She doesn't do too good at communicating that shit, and in the one or two conversations she's initiated about breaking up - shes referenced some of the things I struggle with as a potential issue / reason for her not to want to continue. I believe this is probably an issue for a therapist, or some other sort of MD. Probably a bit beyond reddit's paygrade. But, speaking to strangers like yourself helps. I'm still young, I don't have all the perspective, and alot of my views as of late have been shaped through the struggles of what I've been living through, so I try to recognize that and not get so jaded. Truth be told, I wish I could just take it easy when she acts like this. Does it break my heart, hurt me, and make me feel like I don't know where we stand anymore? Yes, everytime. But at the same time, thats not my greatest issue, not nearly close to it, and, I blame myself for my inability to do just that. To just take it easy. I wish I could be the guy that sees that happening, and just initiates the step back instead of waiting for her to communicate it. I've just been struggling to not be so reactive to it all, because as I said, I have my own demons. And I guess they come out in times like this, through the form of anxiety and whatever else is in my head, that makes me angry, and upset, and irrational when she acts like this towards me. Then again, there go the mental gymnastics again. Funny thing to me, shes a gymnast.

Saltlife_Junkie

I was on vacation in Cali this week. I’m from MD. Missed the open so many days I didn’t buy any options all week. Saved me over 10k hahaha

Happy-n-Healthy

Too late now, I wish he had gone to MD Anderson from the get go

Only_Emphasis_622

it’s kind of more like a Claude for MDs now. their biggest recent change was adding specialized clinical AI (they bought a smaller company that used to do this pretty well) and documentation assistant scribe. they have been doing telehealth voice-over-ip for a while (not small, 300K HCP calls per day). they also have a medical news feed that gets quite a lot of traffic seems like excitement is that there’s been a big uptick in number of MDs using their products past year (I can confirm from personal experience). they did a full rebrand around it and i have to say the quality of their AI is quite good now moat vs. Claudes of the world seem mainly around compliance (generalist tools don’t allow doctors to enter patient info), hospital relationships (takes years to get tools approved, they have a foot in the door with VoIP) and specialized clinical workflows that aren’t well served by general purpose products credible play imho, MD eyeballs are worth an unreal amount of $ and the AI where the doctors ask their questions is first-class real estate for targeted pharma ads. also terribly hard for others to compete against a company offering everything for free profitably

Only_Emphasis_622

it’s kind of more like a Claude for MDs now, though that’s not exactly right either. their biggest recent change was adding specialized clinical AI (they bought a smaller company that used to do this pretty well). they have been doing telehealth voice-over-ip for a while (not small, 300K HCP calls per day). they also recently added a scribe for auto transcribing patient encounters that also links to the AI. there’s been a big uptick in number of MDs using their AI in past year. they did a full rebrand around it. moats seem mainly around compliance (generalist tools don’t allow doctors to enter patient info), hospital relationships (they need to approve the tools individually), and specialized clinical workflows that aren’t well served by general purpose products it’s a credible thesis imho, MD eyeballs are worth $$$ and the AI where the doctors ask their questions is first-class real estate for targeted pharma ads

Kbarbs4421

From Cura's MD&A: > *Benefit (Provision) for Income Taxes* > We recorded a benefit for income taxes of $38.8 million for the three months ended June 30, 2026, a change of $70.6 million, or 222%, compared to the provision for income taxes of $31.8 million for the three months ended June 30, 2025. The decrease in income tax expense was driven primarily by a decrease in valuation allowances, which generated approximately $65.1 million of combined federal and state deferred tax benefits. ... > *Benefit (Provision) for Income Taxes* > We recorded a benefit for income taxes of $137.5 million for the six months ended June 30, 2026, a change of $203.0 million, or 310%, compared to the provision for income taxes of $65.5 million for the six months ended June 30, 2025. The decrease in income tax expense was driven primarily by the decrease of uncertain tax positions interest and liability accruals of approximately $121.2 million, a decrease in valuation allowances, which generated approximately $65.1 million of combined federal and state deferred tax benefit, and a decrease non deductible expenses due to Section 280E of approximately $17.0 million

demens1313

the rule is not a "chronic condition". its literally a disability that requires MD sign-off. I don't think you can fake it with chronic back pain or something like that.

rampagepete

i like to think about the analyst or quant of whatever who had to study HTZ and like presented his position and short to his MD and then it just gets fuckin destroyed by a bunch of regards on crack

ohgodthehorror95

MD: "you're as a healthy as a horse." Patient: "that's great news, doc" MD: "a horse with cancer."

fuentescoffee

The interesting number here isn't the $53.4M, it's what sits underneath it. We wrote this market up in March off the $29.3M-in-seven-months figure and annualized it to roughly $50M. Final print $53.4M, so the run rate broadly held. But Delaware had 13 open storefronts then and our directory counts 19 now. Back out the endpoints: months 1–7 ran ~$4.2M/mo across 13 stores (~$320k per store per month). Months 8–12 ran ~$4.8M/mo across up to 19 (~$255k). So the monthly run rate grew ~14% while the store count grew ~46%. That reads as dilution rather than demand. Real caveat: openings were staggered, so 19 overstates the average store count across that back half and the true per-store decline is smaller than the ~21% those two figures imply. For comps, DE sits around 1.8 stores/100k — ahead of Ohio (~1.2), behind NJ (~2.2) and MD (~2.0), and geographically sandwiched between the latter two. Disclosure: I run Budpedia. March piece with the projection: budpedia.com/articles/delaware-cannabis-sales-slow-start-struggling-2026

MDoc84

Its laid out in the foot notes of the MD&A Adjusted EBDITA table - "Business transformation related charges include costs related to restructuring, certain IT project costs, sublease income, severance and retention costs in connection with the consumer channel exit, and legal provisions."

BarbellPadawan

"Again, shorting is not for everyone. I must short. Most should not." \-Dr. Michael Burry, MD

surfinbird

🌈MD. Place your bets.

Hellmale

I can literally treat his issues.. I am an MD😝

Forest_City_Frolfer

Most of the worst businesses are already gone. I would've said Entourage Health Corp (Weed MD) as the worst, or Mjardin Group, or The Green Organic Dutchman (BZAM). All are long gone. Worst current operator is Red White & Bloom (if you are an investor). They have 230M in assets and 486M in liabilities for a whopping book value of (256M). They also have an astounding 13M in quarterly revenue and lost 16M last quarter

TTP222

Ah, yes, a pump and dump partnership with Memorial Sloan-Kettering Cancer Center and the head of the department of leukemia at MD Anderson leading the trial. The two best cancer centers in America running a scam! And of course we NEVER see bios with institutional ownership fail, right?! You negative and bitter regards are the reason people hate the internet. You hide your post history and mouth off from your basement like anyone gives a fuck about how miserable you are. Go away.

octopus_serenader

It's "MD" now. It earned that doctorate. Be respectful.

Win11141

Clarity Act update; Not passing as per this week (Thursday 23 Jul) Based on publically available Intel. Republicans: 51 yes, 2 no Democrats: 2 yes, 45 no Required : 60 Votes Republicans (Likely Yes unless noted): John Thune (R-SD) - Yes Cynthia Lummis (R-WY) - Yes Kevin Cramer (R-ND) - Yes Bernie Moreno (R-OH) - Yes Tim Scott (R-SC) - Yes All other Republicans (48 total) - Yes Republican Likely No: Josh Hawley (R-MO) - Likely No Rand Paul (R-KY) - Likely No Democrats (Public Yes - Conditional): Ruben Gallego (D-AZ) - Yes (conditional) Angela Alsobrooks (D-MD) - Yes (conditional, recent criticism) Democrats (Public No / Opposition): Catherine Cortez Masto (D-NV) - No Cory Booker (D-NJ) - No John Hickenlooper (D-CO) - No Mark Warner (D-VA) - No Raphael Warnock (D-GA) - No Elizabeth Warren (D-MA) - No Kirsten Gillibrand (D-NY) - No Chris Van Hollen (D-MD) - No Chris Murphy (D-CT) - No Jeff Merkley (D-OR) - No Jack Reed (D-RI) - No All other Democrats (\~35 total) - No / Leaning No Tally Summary: 53 Yes, 47 No (short of 60)

nova1475369

Base on my usage experience with kimi2.5, I think it’s just another deepseek reaction. The one I typical use is Composer 2.5, base on Kimi2.5 with coding specifical reinforcement training. The only thing nice with it is 10 times cheaper than frontier model at least. But fail miserably to more complex problem solving and deep thinking. It’s for mundane tasks, which is a lot of tasks still, and can save tremendously. Because you can let US frontier model like Opus 4.8 to solve complex tasks, output the solution in a MD file, then let chinese model like Kimi or Composer2.5 or something else to execute the solution plan. That saves a lot of token cost. The best usage is to use the model designed for the complexity of your tasks, not using the same model for everything

qiongzhang

I wouldn’t read a 10-K from page 1 to page 100. For an existing holding, I’d start with 3-5 questions that could actually change your view. For Apple, that might be revenue mix, services margin, China exposure, buybacks, cash/debt, or capex. Then compare this filing with the prior 10-K / latest 10-Q and ask: what changed? MD&A, financial statements and notes usually come before generic risk factors. AI summaries can help as a map, but I’d still verify the actual filing tables/text. The goal is not to “finish” the filing. It is to answer the questions that matter for the position.

PurpleFilth

Its like they never watched an episode of House MD, everybody lies!

Stmast

Thanks regard, i am infact an MD, and 58 is totally normal for the average demographic here, go stay completely still in bed for 10 minutes and be suprised urself lil pup.

Fredricology

This will be prescribed by MDs in clinics, not in family offices. But there´s no requirement that the MD must be a psychiatrist.

Ordinary_Bid7985

Money Matters MD Erin Talks Money Bob Berger

Fredricology

No need for a psychiatrist, just an MD to prescribe it and a licensed therapist session(s) before and after.

MaximumDiscipline843

You're not alone, and honestly most people who say they "read the 10-K" are reading the MD&A section and maybe skimming risk factors, not the whole document. My approach: read the last 2 years' MD&A back to back first, since that shows you what changed in management's own framing, then jump straight to segment revenue notes. Risk factors are important but they're boilerplate-heavy and rarely where the real signal is.

Minimum-Direction-45

Only if they ask the MD

YOLOdollhair

It better be a CAT MD6640 and not your fucking hand warmers.

plain_risk

I split "research" into two jobs that people often merge: 1) \*\*Thesis\*\* — why might this business work? 2) \*\*Risk inventory\*\* — what could go wrong even if the thesis is right? For individual names I use a simple checklist. Not a score — just "can I answer this from primary sources?" \*\*Before the annual report (quick screen)\*\* \- What do they actually sell, to whom, and how do they make money? \- Is revenue recurring or cyclical? Any single customer >10%? \- Debt maturities in the next 24 months? Dilution history? \*\*10-K (read in this order)\*\* 1. \*\*Item 1A Risk Factors\*\* — read before the bull case. Management is legally required to list what keeps them up at night. 2. \*\*MD&A\*\* — not just growth %, but \*why\* margins moved. 3. \*\*Cash flow statement\*\* — does operating cash track net income over 3–5 years? (Red flag if they diverge for no good reason.) 4. \*\*Footnotes\*\* — stock comp, acquisitions, related-party stuff. \*\*Quarterly (10-Q / earnings)\*\* \- Ignore "beat/miss" headlines. I look at: guidance change, gross margin direction, capex, and whether growth was price vs volume. \- Read the \*\*8-K\*\* exhibit (press release) — the call transcript is optional; the filing language is what matters. \*\*Thesis killer questions\*\* (write these down before buying size) \- What would have to be true for this to be a bad investment \*even if I'm directionally right on the business\*? \- What single datapoint in the next two quarters would make me revisit the position? (Not "stock went down" — a business metric.) \*\*What I deliberately avoid\*\* \- Star ratings and price targets from aggregators — they smuggle in a verdict without showing work. \- Starting with Twitter/YouTube bull cases. I read the filing first, then seek disagreement. I'm not a pro — casual investor like you — but this stopped me from treating "good story" as "good research." Not financial advice. Curious: are you leaning toward growth names, value, or dividend when you say you want to go deeper?

iShitBloodandCumShit

Id be safer shotgunning a retro 4loko with a bottle of MD2020 screwed into it than getting off this toilet. Kids haven’t learned that “mom” is over stimulated. And I for certain don’t want to get in between that lmao.

CMTTrader

MD, outside DC. Last year, they popped off fireworks every day for a week AFTER July 4th too LMAO

hseeman_sf

There are are number of things you need to look at in 10K, not just in isolation but reading 2-3 years of 10Ks sequentially, very hard to do it without tools. That said, LLMs are great at precisely this kind of work. You could ask the LLM to do the following (this is not an exhaustive list by any means, add/delete as you see fit for your own process): * **Gross Margin Trajectory:** Extract 3-year gross margins; flag any compression relative to revenue growth. * **Operating Leverage:** Identify fixed vs. variable costs and evidence of declining customer acquisition costs. * **Capital Efficiency:** Calculate Return on Invested Capital (ROIC) and track CapEx as a percentage of revenue growth. * **Shareholder Dilution:** Calculate YoY share count growth and Stock-Based Compensation (SBC) as a percentage of operating cash flow. * **Customer Concentration:** Flag any single client accounting for >10% of total revenue. * **Accounting Red Flags:** Identify changes in revenue recognition (Notes 1/2) or shifts toward capitalizing rather than expensing development costs. * **Unique Vulnerabilities:** Extract non-boilerplate risks (e.g., single-supplier reliance, third-party platform dependency). * **Narrative Drift:** Compare the MD&A to the prior year and list any strategic initiatives that quietly disappeared.

adjust_your_set

Exactly. 10-k information is for institutional analysts and big investors so they can tweak the risks and assumptions in their earnings models. The average retail or individual investor isn’t going to gain much investing insight from those disclosures, or make investment decisions based on what is in the MD&A.

thanatos0320

Financials, MD&A, and that's it.. you could check out the notes if you wanted as well, but there is no need to read everything in the notes. There is also point in reading the risk every single time either.

konamul

To be honest you should use AI, especially considering institutional investors already do. It’s not like they have a junior analyst sitting reading a 100 pages nowadays. But because the context is so large AI can hallucinate. So they create a templatized report and use parsing algo data streams to ensure accuracy like [AlphaCreek](https://www.alphacreek.ai). The reason you need to specifically parse it is because if you only want to know about management sentiment, LLM should only pull the MD&A the rest would be bloat. If LLMs are not pulling the exact parsed area, it will just try to stitch something that “makes sense” throughout the 100 pages - where people are saying it hallucinates. It also saves significant token consumption as you can imagine it only reads the paragraph needed and not the entire document

steady_compounder

You do not need to read a 10-K like a novel. I would start with the business summary, MD&A, segment results, cash flow, and then only dive into the risk factors or footnotes when something looks off. The real goal is not to consume 100 pages, it is to find what changed, what management is emphasising, and what could break the thesis.

Heavy_Nothing_1158

Two things made 10-Ks less miserable for me: don’t read them front-to-back, and don’t start with Risk Factors (that section is basically corporate anxiety fan fiction). For Apple I’d usually do: 1. MD&A first: revenue by segment/geography, gross margin, buybacks, services growth. 2. Notes: debt, share count, R&D, legal/regulatory stuff. 3. Risk Factors only as a diff: what changed vs last year? Then keep a tiny checklist: “what would make me wrong?” If you can answer that after 30–45 minutes, you probably got more value than from three heroic Twitter threads and one espresso-fueled hallucination.

viserys8769

You’ve been opening it for 3 years and suddenly you feel it’s too long? Read the MD&A that should be enough.

ComprehensiveKiwi489

MU says it locked in 16 entities on multi-year escalating chip deals. Translation - The collapse of the US economy quickens, inflation goes higher faster, and shortages in supply chains will be unbearable. The MD/A of Hyperscalers will be atrocious since 5 are already holding $2 trillion in commitments. The same will be true for Anthropic, OpenAi, etc.

TH3PhilipJFry

Like doctors have been supplanted by web MD

forreelforrealmang

MD?

HairyBushies

Could be a doctor or someone that needs a lot of schooling. Essentially age 22/23 when graduating undergrad, a few years in medical school, and a few years of residency. Then in your first year as a fully licensed MD you’re earning a couple hundred grand whereas before they were earning nothing or just enough to live. Basically they just started working and saving whereas before it was all school, residency, etc. and basically living on loans or a small stipend with nothing left over to save. So, yes, the math absolutely could math… it’s just not something you’re familiar with so it seems strange.

Bright-Quiet-5622

Former Banker here covering the tech sector. Worked on Wall Street for big banks for 8 years. Quit right before making MD. Get an MBA and as soon as you start school, start networking right away especially with the 2nd year students who interned recently. To be honest I hated my time as a banker (not such a fun place for a woman who never did drugs and hated hanging out with the boys / boss) but it pulled me out of poverty and now I am retired (early 40s). I still use the knowledge and discipline for making a living (trading stocks)

x90x90smalldata

Low. Very low. Maybe 1% of Exeter, or similar, graduates become MDs. Prob 10x harder coming from public school. Now, thousands get the entry level job at a good investment house. Hundreds make VP. Dozens make MD. The mountain is steep and every level up is a hockey stick in comp. By the time you reach MD, the comp can be 10x what it was just a few rungs lower. Plenty of people spend there entire careers never making those heights and still earn an exceptional living.

SharpStrategist

Dad needs to be an MD

mtnrnnr802

There are people this stupid https://www.reddit.com/r/wallstreetbets/s/aPYy3MY8MD

JohnnySpot2000

Capital gains is not 35% in the USA, it’s either zero, 15%, or 20% taxes marginally. Maryland has a capital gains tax, but if it’s your primary home, you don’t pay any tax for the first $250,000 in gains if single (USA and MD).

Efficient-Fudge-3515

I’m an MD

Jkayakj

FYI psychiatrists are doctors/physicians and are MD/DOs...

SpeakerAltruistic123

I’m married to a MD who sees a huge need for improvement in the area of burn wound assessment

ItInProg

Initial jobless claims up to 225k vs. 215k est. & 212k prior; continuing claims at 1.777M vs. 1.780M est. & 1.785M prior … greatest increases in CA (+3.9k), TN (+1.7k), & MN (+1.7k); greatest decreases in TX (-2.2k), NJ (-1.2k), & MD (-0.8k)

Direct-Bar-7392

Extremely Unspecific for an MD

Direct-Bar-7392

Most MD's don't make 50k a month lmao

OrdinaryMix4013

Your package arrived late at our BALTIMORE, MD facility due to a delay in transit. We’re getting it back on track and have adjusted your delivery estimate. fuk u jeff bezos

OrdinaryMix4013

#jeff bezos my amazon package is supposed to be delivered in TX today, but it was just scanned in MD. wtf u slot mofo

ArtisticFrame5790

I was thinking the MD in his name was for Maryland but maybe it’s for medical doctor.

UnclePsilocybe

Their username had MD in it 

outoftownMD

MD.

callsonreddit

is it really that pricy? MD costs 250k

wsurrdit

Few things: 1. Capex is real money. Today’s spending, and related revenue for those hardware companies, is legit. Tomorrow, however, is never guaranteed. 2. The market is all about momentum. It started with point 1 but doesn’t need to stay grounded there. 3. I work in a related industry. If larger companies that have hundreds+ of engineers can have AI write mediocre code, the tokens they buy probably cost less than the salaries of their first-year engineers. In response to OP’s opening statement - the ripping is mostly 2, started with 1, but 3 has legs. Today feels inflated to me but it’s definitely not going anywhere and it will be showing up (or expected) in earnings of public company MD&A over 1k employees within next 12 months.

Tim_Apple_938

After researching all day it seems my main options are try to say the magic words to my doctor and then maybe wait 6 months for a slot Or see if $NOWL goes up 300% by fall and then I goto the fanciest Harvard MD ass private practice and get seen same day It seems the main risk difference is proximity to emergency care. But there’s a clinic across the street from a hospital in my city $NOWL baby we got this 🤞🤞🚀🚀🚀🚀

SkepticalInvestor21

Great breakdown on fundamental analysis! One thing I'd add for newer investors - learn to read the actual SEC filings, not just the summaries. The MD&A section often buries important risk disclosures that analysts gloss over. Also worth learning to spot red flags: auditor changes, related-party transactions, and going-concern language in footnotes. These are signals that often precede major problems. Tools like scamdunk.com are useful for spotting patterns like this. The best fundamental analysts I've seen combine quantitative screening with deep qualitative reading of primary sources.

TheGreedyGrabbler

You: hey a good thing was announced at this company. Me, Dr.Stock Genius, MD: priced in

greendoh

I run out of tokens by noon typically these days - used to be like 2PM but with every new version the token to output ratio gets tighter. Not sure what plan we're on at work but it isn't giving us much to work with these days, and I feel it's cutting out earlier and earlier every day. That isn't my big issue though - my big issue is that even with an MD file 'properly' guiding Claude processes, I'm only successfully generating quality content about 80% of the time. When it's on its on, and it's a huge help, but there days where Claude just randomly ignores the MD file and literally admits to guessing on items that (per the MD) need confirmation on ambiguity. So what about those days where I spend my tokens to have Claude just guess and shit out randomly generated garbage, then admits in chat to guessing? I just paid for that. Do I get my money back? Yesterday was a dogsiit day for me with Claude. We'd love to automate our processes with AI but it's just getting more and more expensive (soon will be more expensive vs. overseas team members) and it just randomly has 'bad days' where if we took what it shit out as gospel, we'd be tits up pretty quick.

dr_mr_uncle_jimbo

No, it doesn’t. You’re looking at the Selected Financial Data in the S-1, which is not typically audited. This is essentially MD&A. Their audited financial statements are included by reference and audited by PWC, as is commonly done.

apurimac777

Doves get to be MD

Sarcasm69

You pay for a PhD, trust me. The 4-6 years you spent making liters of pee in a grad lab could’ve been spent at a higher compensated corporate job laying the foundations for your future career. This of course varies depending on the type of PhD you received, but the unfortunate truth is that you don’t need a PhD to do science unlike an MD or JF which is needed to practice law or medicine.

ClaudesSexBot

Yeah, I started with the 10$, but OPUS quickly ate through the session limit, so I said fuck it, might as well go for the 100$ tier, and I'm glad I did. Best AI in the game by far. I was stunned when it just spit out an entire .MD file on its own without my asking. Absolutely incredible.

Saltlife_Junkie

Do you live in MD? I do.

0xBEEFBEEFBEEF

To be fair he said “so go out and buy a dell, they’re great” directly after talking about how Michael Dell started out by making great computers and the “just never stopped” (quoting MD)… it’s a bit of a stretch the claim people making that he specifically told people to buy $DELL the stock. It was all in the context of talking about people who had donated to the t-word accounts. With that said I have stake in Dell stocks and if people misinterpreting his statement as “buy $DELL” and that causes the value to go up, I’m not complaining

SueNYC1966

My husband is in Big Law. These people have no idea how little a million is to these places. Hell, sometimes they pay it to a speaker at a lunch. My cousin came back to them after a stint in the military (he ran off to be a Marine helicopter pilot for 10 years after 9/11 and got an age waiver) and they handed him several million dollars to play with. When he left them he was a MD..but for writing foreign options trading programs. He had never traded an account before. He had no idea what he was doing but they had to take him back (it was the law..I don’t understand it) and his previous job no longer existed so this was their solution. He lost a couple of million before we assume he got laid off. He was stressing all the time about it. He took a year long trip across the country after they did one of their massive worker lay offs. He is now doing his old job again at a smaller investment bank down South. So yes, they blow stupid money all the time...like giving millions to a high level computer programmer and seeing what he will do with it.🤣

alallm

As someone working in STEM research and medicine, all modern research in whatever disease you study to be taken seriously involves some level of sequencing. And Illumina has been the best for a while. I will focus on cancer. So if you are doing cancer research you are going to be sequencing patient tumor samples and so on. Based on research we have treatments for these diseases too where there are certain drugs and clinical trials that depend on a patient having X mutation in Y gene for instance. Some premier institutes like DFCI, UCSF, MD Anderson make sure to sequence every one of their patients often times at no cost to the patient as they want to treat them as best as possible. So to put it plainly, sequencing is crucial and what a decent chunk of modern medicine will be based on (i.e. precision medicine where you give drugs to specific patients based on the genetic profile of their disease, whether it's cancer, ALS, or whatnot). And so hospitals and research institutes use Illumina sequencers and it's mainstay. Now the question is, this stuff is still pretty expensive in terms of machines and reagents to run (although thousands of thousands of times cheaper than it was even 10 years ago, similar to moore's law basically with transistors Sequencing has gotten a shit ton cheaper). Idk the exact economics of if / when it will start printing money. But it's basically something that is super technologically advanced and crucial to the field of medicine at this point. Maybe there's some sort of consumer play like with how computers started as something only big institutes had but then everyone now has a laptop, iphone etc. idk

No-Butterscotch8504

Yes, it does. Did you listen to CEO on the conference call? This was an easy read. What do you think the expenditure is going sometimes not everything is inside information or dumb luck. This was purely about listening to smart leaders, giving proper guidance and releasing innovative new products. MD has a huge line of chips and cards coming out this half of 2026 that’s what everybody has been waiting for and investing on for the past year and a half. You missed the boat cry.

Saltlife_Junkie

We just went to 4.79 here in MD. Up from 4.39 last week.

TheBreadMan10

MD Code Red - poured, Zin can - locked and loaded, dopamine? Already IV crushed. My body is ready

hugelkult

Chick fil a is fckingnasty in MD

Total_Schedule591

Megadoodoo Megadoodoo MD

PaperHandsTheDip

I have confidence in these systems. IEL I told claude to rewrite an entire 3rd party library (\~50k LOC) - by extracting the functions I use in isolation, into a local copy, then ensure correctness, then optimize it (check every function, try to improve / optimize by FIRST doing a high level logic scan, then a test, where you write a function that outputs OLD output, then NEW output (new function) and A-B tests over 1million+ iterations. Anything sensitive gets 100 million random iterations. Put this into my MD file / the flow (happens for every test). \--- The test compound onto each other - and i redundantly check / verify logic like 2-3-4 times (just like i would in a team). I send the tests to DIFFERENT agents who lack context of each other to independently verify. Shit works EXTREMELY well... today was my first > 10k LOC changed day.

No_Stretch_7197

Holding long term. This one is is a multibagger. The 100% long-term survival + complete tumor clearance with PD-1 combo in syngeneic ovarian models is eye-catchine. The BEST part is the strong MD Anderson tie-in. The work is led by Dr. Michael Andreeff (Professor at MD Anderson), who has been involved in the development and preclinical studies of ERNA-101. They’re planning a clinical proof-of-concept trial in platinum-resistant ovarian cancer in collaboration with MD Anderson. That’s a legit research partner, very hard to get accepted . Just bought some

No_Stretch_7197

Solid catalyst on a micro-float name. The 100% long-term survival + complete tumor clearance with PD-1 combo in syngeneic ovarian models is eye-catching, especially for a cold tumor like ovarian cancer where immunotherapy often struggles. What stands out even more is the strong MD Anderson tie-in. The work is led by Dr. Michael Andreeff (Professor at MD Anderson), who has been involved in the development and preclinical studies of ERNA-101. They’re planning a clinical proof-of-concept trial in platinum-resistant ovarian cancer in collaboration with MD Anderson. That’s a legit research partner, not some random academic group. Just bought some

avd51133333

Lower than VP which is lower than Director and Executive Director. ED Isnt even that high up, the real management layer starts at MD

-IQ200

**F**acebook **A**mazon **A**pple **A**MD **G**oogle Netflix has been dethroned.

GeoLogic23

I pulled the cannabis investments from Chicago Atlantic SEC filings to see what companies may be next on Vireo Growth's radar. These are investments classified as "cannabis" as of late 2025 and whatever notes I have on them. Cresco, Verano, Archos Capital (Verano), Terrascend, and Fluent (now Vireo) are the MSOs. * **TheraTrue** \- Georgia medical. New CEO as of June 2025 came from Deep Roots Harvest right after Vireo acquired them. The CEO he replaced was Victor Mancebo, who is a board member of Vireo Growth. * **Kaleafa** \- Oregon. Was the partner for Eaze to enter Oregon years ago. Vireo recently bought Eaze assets. * **BeLeaf Medical** \- Missouri. Their co-founder was part of the three person team that launched Bud Light for AB InBev in the 80's. Also associated with Nature's Care dispensary in Illinois, which is/was with Acreage. * **Oasis (AZ GOAT AZ)** \- AYR assets that were first bought by AYR then sold back to the original owners. * **HA-MD LLC** \- Maryland. Ethos brand. Vireo partnered with them in 2023. * **Dreamfields Brands** \- This is the Jeeter cannabis brand. Big pre-roll brand. Just moved into New York in late 2025. * **Aeriz Holdings** \- Chicago based. Has ops in AZ and CA too I think. They do aeroponic growing. * **Kapple Holdings (Cannabis & Glass)** \- Washington. Owner is also co-founder of Iowa Cannabis Company. * **Shangri-La** \- Missouri based. Operations in Illinois, Ohio, and Connecticut. * **Silver Therapeutics** \- Massachusetts. Operations in Maine, Vermont, and New York. * **Subsero Holdings** \- Illinois. * **Elevation Cannabis** \- Oregon, California, New Mexico. * **Wellgreens 2.0** \- California. Chicago Atlantic's cannabis investments are a partnership with Silver Spike Capital. The executive chairman of this partnership was the founder of Silver Spike and was a **board member of WeedMaps until he stepped down when they announced delisting**. Silver Spike is the company that took WeedMaps public, with WeedMaps now actively looking to move into cannabis. I have been thinking WeedMaps was making a move into Florida because of their lobbying, but Fluent/Vireo might have already been part of the Florida move? Chicago Atlantic also added **Robert Beasley** as a partner after they acquired Fluent, where Beasley was CEO. He was a OG executive at Liberty Health, where Vireo board member Victor Mancebo (see above) was CEO. Robert Beasley recently took over as CEO of a **Michigan cannabis company Common Citizen**. He only operated in Florida cannabis in the past. If you look at his LinkedIn it goes: * Fluent (Jan '20 - Aug '25) * Chicago Atlantic (Aug '25 - Dec '25) - head of restructuring * Common Citizen (Dec '25 - Jan '26) - joins as CEO amid their restructuring * Chicago Atlantic (Feb '26 - present) - partner Common Citizen was also an investment by the Aphria insiders (SOL Global) in 2021. These guys were investors or strongly connected to other Vireo connected companies such as Fluent, Liberty Health, Verano, Cresco, and The Flowery. The SOL guys go way back to Liberty Health in 2017 with Robert Beasley.

ScottishBostonian

The issue with Reddit and people in general is they think their situation is normal and representative of others. I am one of the people considered very rich here, I am an MD in drug development in my early 40s. I am lucky enough to have studied outside the US and therefore have never had any loans. I live in a VHCOL area where the average house price in my town of 100k people is $1.75 million. Every single person in my team at work of maybe 50 people are millionaires at least on paper, same with everyone in my neighborhood. I am under no illusion that my situation is representative of anyone else apart from me, and those in my immediate circle.

skeptikal2000

instead of a loan, I'd rather go with a balance transfer with low interest. There are a lot currently [https://milesopedia.com/en/best-credit-cards-in-canada/transfer/?utm\_source=MD&utm\_medium=referral&utm\_campaign=communaute](https://milesopedia.com/en/best-credit-cards-in-canada/transfer/?utm_source=MD&utm_medium=referral&utm_campaign=communaute)

Total_Schedule591

John Pork, MD 🐥

Current_Animator7546

It's the cost of doing business to be at the top of the food chain. People want to be near DC, and so does business. It's incredible just how much NVA has grown the past 20 years. My grandparents lived in Fredrick. The growth has been insane. Even that far out in MD.

zonda600

Nah. Analyst->Associate->VP->ED->MD.

No_Koala9474

Director title only exists because mid level bankers were tired of sitting around as VPs for a decade before getting the MD nod.