@richeddy

BREAKING: The Fed introduces new $1 bill. https://t.co/D6HfBWZXwd

Fiscal conservatism is dead in the Republican Party.

When the Tea Party protests first began, the national debt was around $9 Trillion.

Today, it’s over $40 Trillion and rising.

The GOP is not the vehicle for reducing spending.

Republicans: “Tread on them.” https://t.co/A16liFMLPD

🚨 BREAKING: Claude Can Build Your ENTIRE Brand in One Afternoon. For FREE.

Logo. Brand identity. Website.
No designer. No agency. Just 8 powerful prompts. 👇

You will not get good at Claude if you don't have 5 seconds to re-learn the basics (again & again).

I taught my mom Claude the other day; she's a retired pharmacist. These are the 7 lessons we went through:

Comment "GUIDE" if you want my Claude skills, prompt library, infographics, and AI guides.

💾 Save this image to use Claude better.

8 Reasons People Don’t Buy Even They Need The Product:

Why am I being baited by watermark misinformation on this app, is it 2023 again?

A small FAQ:

1. 𝗪𝗵𝗮𝘁'𝘀 𝗮 𝘁𝗲𝘅𝘁 𝘄𝗮𝘁𝗲𝗿𝗺𝗮𝗿𝗸? -- A modification of the LLM sampling algorithm that, if there are multiple ways to write something, will pick one that agrees with a pseudorandom key. This is a local, invisible signature hidden in the way phrases are used in any LLM text that persists when text is copied.

2. 𝗗𝗼𝗲𝘀 𝘁𝗵𝗶𝘀 𝗺𝗮𝗸𝗲 𝘁𝗵𝗲 𝘁𝗲𝘅𝘁 𝘄𝗼𝗿𝘀𝗲? -- A good implementation is 'undetectable' (in polynomial time), meaning: If you do not have the private key, then neither you, the model itself, or pangram could detect that this is happening.

3. 𝗪𝗶𝗹𝗹 𝘁𝗵𝗶𝘀 𝗯𝗿𝗲𝗮𝗸 𝘁𝗵𝗲 𝗺𝗼𝗱𝗲𝗹'𝘀 𝗿𝗲𝗮𝘀𝗼𝗻𝗶𝗻𝗴? -- Because Ant already encrypts the model's reasoning, they can just not watermark the model's internal reasoning, leaving the thinking unaffected.

4. 𝗪𝗶𝗹𝗹 𝘁𝗵𝗶𝘀 𝗺𝗮𝗸𝗲 𝘁𝗵𝗲 𝗺𝗼𝗱𝗲𝗹 𝗹𝗲𝘀𝘀 𝗰𝗿𝗲𝗮𝘁𝗶𝘃𝗲/ 𝗺𝗼𝗿𝗲 𝘀𝗮𝗺𝗲-𝘆? -- If anything this (marginally) increases entropy across different generations, so it will make model outputs slightly more varied.

• 1913: "The income tax will only hit the top 1%."

• 1935: "Social security numbers will never be used for identification."

• 1971: "The gold suspension is temporary."

• 2001: "These surveillance powers are only for terrorists."

• 2020: "Two weeks to slow the spread."

• 2026: "CBDCs will never be used to control spending."

• You: "I'm noticing a pattern."

• Government: "There's no pattern."

• You: "That's what the pattern would say."

Charlie Kirk was right, and now JD Vance e is saying it

Young people are turning to socialism because our country has been sold out to foreigners and now the middle class has been wiped out and can’t afford to live

JD Vance says it can be fixed

“A lot of Americans look at this rising tide of socialism and say, "How did we get here?" We got here by 40 years of bipartisan leaders selling our industrial base to foreign countries, allowing low-wage immigrants to come in and compete with Americans for jobs, by destroying the foundation of the middle class. That's how you got socialism.

Americans now pay more in taxes than they spend on food, clothing, and shelter combined.

Think about that.

Government has become so big and bloated that taxes cost more than life's basic necessities. Every American taxpayer should be outraged. https://t.co/c6HRMbJH9t

An MIT professor opened his first lecture by auctioning off a sealed box to twenty-two-year-olds who had zero information about what was inside.

No touching it. No shaking it. No hints. Just a box.

The bidding started at $1. It closed at $45.

He ripped it open. An iPod Nano, retail value $149. The class had priced an unknown object, sight unseen, at roughly a third of its real worth — in about ninety seconds, with nothing but each other's bids to go on.

That's minute twenty of session one of 15.401, Finance Theory, taught by Andrew Lo at MIT Sloan. Free. On YouTube. Since 2008.

John had over $2 million invested.

On paper, he looked successful.

But after reviewing his full financial picture, we uncovered opportunities across taxes, investments, insurance, and planning.

Here’s how we may help someone in this situation:🧵

1. Created a clearer financial strategy

John had a strong income but no clear system connecting his cash flow, savings, investments, and goals.

We helped align each dollar with what he wanted his money to accomplish.

2. Built a more tax-efficient investment plan

His accounts were spread across multiple institutions without a clear strategy.

We reviewed:

• Asset allocation

• Tax efficiency

• Account location

• Risk exposure

The focus shifted from:

"What should I invest in?"

to:

"What strategy gives me the best chance of reaching my goals?"

3. Developed a retirement tax strategy

With significant pre-tax retirement assets, we analyzed:

• Roth conversions

• Future RMDs

• Social Security timing

• Medicare IRMAA…

There's so much more value to having a financial advisor than just picking investments.

It's having an experienced sounding board when you're faced with life's biggest financial decisions.

"Should I sell my business now or wait?"

"Should I pay off my mortgage?"

"Can I afford the lake house?"

"Should I exercise my stock options?"

"Do I take the pension or lump sum?"

"Should I retire this year or next?"

"Should I convert to a Roth?"

"How much can I gift my kids?"

"Should I buy another rental property?"

"Can I help my parents financially?"…

1

I downloaded and reviewed NYC's grocery store RFP... as someone who has built biz's and bought a lot of food... wow.

Forget for a moment whether or not the govt should own a grocery store. Let's review the doc instead.

Here you go... /1

2

NYC strongly prefers bidders who commit to all 5 stores. But 3 of the 5 sites haven’t been identified. Bidders are supposed to price unknown stores in unknown neighborhoods by assuming they’re “about 15,000 sq ft.” Absurd.

3

Bidders get preference for operating all 5 stores, presumably b/c scale lowers costs. But NYC awards each store separately, so an all-5 bidder may win only 1. They want scale pricing while refusing to award scale.

4

The stores must use a “limited SKU” model. They must also carry full grocery departments, household goods, culturally specific products, plus kosher, halal, vegan, gluten-free, dairy-free and diabetic options. Pick one.

5…

If you don't understand pricing, your biz will never hit $1m.

How to price correctly:

Value Created × 10-20% = Your Price

Where:

• "Value created" = how much your work makes or saves the client

• 10-20% depends on how confident you are that you'll deliver

80% of owners who run this find out they’re undercharging.

What will this development do to our streets, road repairs, parking, utilities, traffic, schools, etc.? Way too many units being built on so little land.
10,500 units!!!
We have water rationing in the summer, the electrical grids go down already!
Are we all really ready for this change to our small city life?

1

The Spanish broadcast of Argentina’s game winner

Perfection

2

It's never coming home. England chokes again.

https://t.co/GQmap8WfoH

Elon Musk thinks the entire education system is built on a broken assumption.

That every student should learn the same thing. At the same speed. In the same order. At the same time.

Musk: “Everyone goes through from like 5th grade to 6th grade to 7th grade like it’s an assembly line. But people are not objects on an assembly line.”

The model was designed for a factory economy. Standardized inputs. Predictable outputs.

That economy is gone. The assembly line is gone.

But the education system still runs on its logic.

1

Got drunk with a guy who spent 6 years approving business credit applications at a major bank

He got laid off in March so he doesn't give a fuck anymore

I asked him the question everyone argues about: why does a guy with an 800 score get denied while some 3 week old LLC walks out with $80,000

He laughed and said "nobody reads the applications"

I thought he was exaggerating. He wasn't. A scoring model reads them. It looks at six things and a human being never enters the room

He broke it down after the third beer:

1. Your score band. Not your score. The machine doesn't care about 762 vs 758, it cares which bucket you're in. 680+, 720+, 740+. Cross a line, different universe

2. Inquiries in the last 6 months. Past that window they basically stop existing. Two identical files, one applied for shit 4 months ago, one 7 months ago. Different decisions

3. Utilization on the day your statement cut. The machine never sees what you owe. It sees what you reported.

1

Caller: “ I have a net worth of about $3 million and my Dad has asked for $55,000 to pay his debt. What should i do?”

Caller: My 80 year old father is asking my husband and me for $55,000 to pay off his credit card and car loan debt.

Dave: What’s your financial situation?

Carla: We’re retired, debt free, net worth between $2 and $3 million but we’re on a fixed income and would have to dip into retirement accounts to do it.

Dave: And your husband’s position?

Carla: He’s firmly against it. But my dad is very persuasive and I feel guilty saying no.

Dave: Carla, the answer is no. You have no moral, ethical, or biblical obligation to fund your father’s bad financial habits especially when manipulation is part of how he’s asking.

Carla: But he’s 80 and he’s my dad.

Dave: Being your dad doesn’t give him the right to your retirement. And “no” is a complete sentence. Don’t give him an encyclopedia of reasons, he’ll debate every one. Be brief, be gentle, and be firm.

Carla: What can I offer instead?

Smart Scorer - 7 Ways to Play Better Without Changing Your Swing
Play the game, not just the swing. Use the strategies in this quick reference infographic to make smarter tactical decisions and save strokes on every hole.
https://womensgolf.com/smart-scorer

A sauna is not a passive activity. Your heart works about as hard as it does during light cardio, and that changes how to read the survival data.

Sauna gets treated as relaxation, which makes the longevity findings look like magic, but the mechanism is plain. When you sit in heat that hot, your body's main job is to get rid of the heat before your core temperature rises, and it does this by opening the blood vessels in your skin and sending a large share of your blood to the surface where heat can escape.

As my practice has grown, I've had to raise my minimum fees to $13,000/year for comprehensive advisory, which scales up with complexity and is dependent on situation (AUM vs Flat Fee)

That includes (but is not limited to) the following:

Financial Planning

-Goal setting & accountability

-Values-based financial planning

-Insurance planning

-Estate planning

-Cash flow planning

-Charitable giving

-Retirement planning

-Tax planning

-Education saving

-Large purchases

-Sale of business

-Intra-family financial matters

-Company equity strategy

Portfolio Management…

The Costco 2-person cedar barrel sauna is the best value traditional sauna you can buy.

• Heats up quickly (small size)

• Tempered glassdoor + window

• Harvia 6.5kwh heater

• Western red cedar

• Easy to mod w/roof and wifi

• Costco return policy

All for ~$3k out the door. https://t.co/Jkgp06cxGY

There are very few one-time negotiations. The way you treat people today shapes whether they will want to do business with you tomorrow. Negotiate for the relationship, not just the deal.

What do the stats of a 5 handicap look like?

Based on Shot Scope performance data from hundreds of thousands of rounds, this is what 5 handicap golf looks like in numbers⛳️

1

There's a curve in finance that most investors get wrong.

It's called the efficient frontier.
Markowitz defined it in 1952.
Most investors still don't understand what it means in practice.

Here's what they get wrong:

{{IMAGE_0}}

2

━━━━━━━━━━━━━━━━━
WHAT IT ACTUALLY IS
━━━━━━━━━━━━━━━━━
The efficient frontier is the set of portfolios offering the maximum expected return for a given level of risk.

Mathematically: minimize w'Σw subject to a target return.

Every point

3

━━━━━━━━━━━━━━━━━
MISTAKE 1: OPTIMIZING ASSETS, NOT STRATEGIES
━━━━━━━━━━━━━━━━━
Most people run mean-variance optimization on a basket of stocks or ETFs.

The problem: correlated assets give you an illusion of diversification.

The real input

4

━━━━━━━━━━━━━━━━━
MISTAKE 2: TREATING THE INPUTS AS FIXED
━━━━━━━━━━━━━━━━━
The frontier is only as good as your covariance matrix.

Correlations shift. Volatility clusters. The matrix you estimated last year isn't the one you're trading

5…

To certain individuals, this can help identify emotional triggers, challenge distorted thinking, and regain control before stress compromises judgment or behavior. Its purpose is to build a reliable internal debrief process so you can stabilize faster, recognize recurring patterns, and make sound decisions under pressure.

#tradecraft #selfimprovement #operatorasfuck #specialforces #tacticaltraining

1

Claude just became a craacked video game designer.

With the launch of Unreal Engine's MCP server last week, you can now build entire video games just by talking to Claude.

I spent the past few days building with it, and I'm telling you, this is going to forever change how video

{{IMAGE_0}}

2

Welp, it’s official
@ThePrimeagen
they’ve solved coding.

{{IMAGE_1}}

How to build a business from scratch (using only AI):

1. Open Exploding Topics

2. Pick a trending, recession-proof product with enough room to raise prices

3. Define your specific buyer avatar

4. Use Perplexity to pull data on that avatar

5. Feed into ChatGPT to build a structured profile

6. Run both outputs through Claude to merge into one final avatar profile

7. Open Lovable and give it your product + avatar profile to build a website

8. Feed your avatar into Jasper AI to write landing page + ad copy

9. Use Tidio to handle customer questions and close sales 24/7

True.

Andrew Huberman says most men over 40 should probably be taking Cialis every single day.

The vasodilation from it that helps with erections is the same mechanism that:

• Lowers blood pressure

• Protects the brain

• Prevents strokes

Stanford's head of male sexual health, Dr. Mike Eisenberg, recommends 2.5 to 5 milligrams of tadalafil daily for most men over 40.

— Andrew Huberman on TBPN (@tbpn)

The biggest mistake before surgery? Waiting until after it’s over to think about recovery.

Your body is always adapting to the signals you give it. The days, weeks, and even months before a procedure are an opportunity to build strength, reduce unnecessary stress, and create a better foundation for healing.

This conversation with @drjasonsnibbe changes the way you’ll think about surgery forever.

👇🏻 Comment “PREHAB” and we’ll send you the full episode.

Photo of the Day: The best feeling there is 🏄‍♂️ Snapped by @shanefelsinger on our 360 camera, #GoProMAX2.

🏆 $100 GoPro Award

#GoPro #GoProSurf #Surfing #Barrel

Dana White on his employees' work schedule: "I don’t care if you f*cking do your work at 9 o’clock this morning or 9 o’clock tonight."

"If your kid has a school function, practice, or a game, I hope you’re gonna go. That sh*t is very important to me." https://t.co/UmyS31zyeL

No better words spoken. https://t.co/i269VWmp3y

This aged horrifically.

California politicians dunked on Elon and helped drive out SpaceX, Tesla jobs, engineers, suppliers, and the tax base.

Now SpaceX is headed for a $1.75T IPO.

“Message received” may be the most expensive political own-goal in California history. https://t.co/JIe5ZBPqB5

https://t.co/tpr2uetNGI

🚨Trump Goes SCORCHED EARTH on California’s Elections, then WALKS OFF Interview Leaving Kristen Welker HUMILIATED

“It was a dirty election and it’s happening again in California… Do you think it's appropriate that they have an election and five days later they're nowhere close to picking a winner!? They're crooked — just like you're crooked.”

“I’ve given you enough time”

Walks off

Welker: “We travelled all the way to Wisconsin for this interview”

Blames the rain

We are going to 10-20x from these prices

I bet my entire life, 9-10yrs worth of research & entire net worth on this moment

I warned you about the nasty correction…

Now I’m warning you that life changing wealth is about to come

You all deserve what’s about to happen https://t.co/WyXLVHTCU8

Most business owners think funding starts with a credit score.

It doesn’t.

It starts with your business footprint.

Your LLC state.
Your business address.
Your domain setup.

Every one of those leaves a trail that lenders, banks, and underwriting systems can review.

The difference between an approval and a denial is often hidden in the details nobody talks about.

Study the carousel.

👇🏾Then SHARE to help a friend and Comment below “REPORT” if you want to see how your business stacks up. 🔑

#businessfunding
#businesscredit
#llcowner
#smallbusinessowner
#entrepreneurtips…

Reverse Sear VS Forward Sear

When it comes to cooking steak theres a lot of ways to get it done and there really is no wrong answer. Well unless you’re using your dishwasher to sous vide, we’d avoid that one.

There’s the classic two-zone cook over charcoal or the nuanced broil sear cook of steakhouses like Peter Lugers but there’s ultimately two basic techniques that often get people picking sides.
The modern reverse sear and the trusted forward sear.

Each uses the same instruments to cook: a burner, a pan, and an oven.

The answer to the question of what’s the long-term plan here, is that there is no long-term plan here.

⚡️The middle class is where the system hides its extraction because the middle class still believes obedience will be rewarded.

The poor are visibly dependent.

The rich are structurally insulated.

The middle class is trapped inside the moral contract of responsibility.

Work hard. Pay taxes. Buy insurance. Save for retirement. Don’t cheat. Don’t default. Don’t complain. Don’t take too much. Don’t fall behind. Keep your credit clean. Keep your kids on track. Keep your career moving. Keep the mortgage paid. Keep smiling.

Then the system taxes that obedience.

Why the East Never Defined Purgatory

In the medieval West, theology increasingly described salvation in legal categories: guilt, satisfaction, punishment, merit.

Think of the influence of Anselm of Canterbury and the scholastic tradition. Within that framework, Purgatory became dogmatically defined, a necessary post-mortem satisfaction of remaining penalties.

But the Orthodox East began somewhere else.

The Fathers, like Gregory of Nyssa and Isaac the Syrian, speak of salvation not as legal balancing, but as healing. Illumination.

Obsidian plus Vellum = a second brain that never stops thinking.

Works while you sleep.

Obsidian holds everything you know.

Vellum reasons across it continuously.

Every idea connected. Every pattern surfaced. Every insight waiting when you wake up.

The people who build this tonight will never go back to thinking alone.

Read this and Bookmark it now.

🚨 Anthropic just showed a 27-minute workshop on how to actually do prompts for Claude.

Taught by the people who built it.

Free. No registration. No paywall.

I've seen $300 courses that don't cover what they teach in the first 8 minutes.

Watch it and bookmark it now. https://t.co/2Pl97xFoe8

Obsidian trading journal = a system that studies every trade you make.

Works while you sleep.

Every pattern identified. Every edge validated. Every mistake documented so it never costs you twice.

After 30 days it knows your trading better than you do.

After 90 days it is preventing losses your past positions already predicted.

The people who build this tonight will never trade the same way again.

Read this and Bookmark it now.