r0ckyreed

It says monthly interest is 4.11 and apy is 4.25 for capital one

That’s awesome! I am really enjoying Wealthfront so far! I love Capital One, Marcus, and Wealthfront. https://www.wealthfront.com/c/affiliates/invited/AFFB-779H-ULPY-HRG3 https://www.marcus.com/share/AUS-A5R-H3AA

Monthly.

I’ve been doing some more research and it seems like the YOTTA situation is different from Wealthfront and how they operate. Yottas issue is that it had a middleman intermediary which was Synapse and when Synapse collapsed, it froze funds in Yotta customers accounts. Wealthfront seems to operate similarly to a brokerage account like Vanguard. If Vanguard or Wealthfront went under, there are things in place to secure customers their money back. It seems like it may be frozen, but it isn’t lost. Wealthfront doesn’t use an intermediary middleman, so what happened to YOTTA won’t happen to Wealthfront. Here is a referral link: https://www.wealthfront.com/c/affiliates/invited/AFFB-779H-ULPY-HRG3 If you sign up to Wealthfront through the link, you will get 5.50% APY for 3 months.

Hello, I recently heard about the collapse of Synapse and how many Yotta customers were unable to access their money despite of the fintech company being FDIC insured. The FDIC stated that since the failure wasn't a "bank failure" there is nothing they could do. It just makes me wonder whether HYSA fintech companies like Wealthfront are safe at all despite its $8 million dollar FDIC protection through its partnered banks? I would appreciate any insight. I am thinking about transferring my money over to Marcus HYSA that offers 4.40% right now. Here is the article: https://www.forbes.com/sites/emilymason/2024/06/17/is-your-money-really-safe-in-an-fdic-insured-fintech-account/

I really love all of my HYSA's. I love them all for different reasons. I love Wealthfront, Capital One, and Marcus. I feel like I am just wanting to open every HYSA possible just to see what they are like.

Ally seems like a popular choice but they have a lower interest rate at 4.20%. I have been satisfied with Capital One, Marcus, and Wealthfront so far. Wealthfront makes 5% interest, Marcus makes 4.40% and capital one makes 4.25% as of right now. Wealthfront has stayed strong at 5% for the past year it looks like. And Wealthfront has been in business since the Great Recession.

What do you have in mind? Wealthfront and Marcus by Goldman Sachs seem like good hysa accounts to park money for savings. I invest in index funds in my Vanguard account. But I park the rest of my money in an hysa to maximize the interest I can save. Edit: @Leo Gura I saw your reply on my other post. Thanks! Do you personally use an hysa and see any benefit to them? I still keep my account at a local credit union for emergencies and easy cash and right now I have my money spread out among Wealthfront, Marcus by Goldman Sachs and Capital One to see which one I like better. Thanks for your suppprt.

I do hysa and VTSAX. Why do they lock it up?

Anybody else have a HYSA? I have Marcus, Capital One and Wealthfront. Which HYSA do you like and use?

Depends on your foreplay.

How is that even possible?

This might be a useless post but the blog post Leo shared has one flaw that I and many others easily overlook. For some reason, we assume Africa is a country and not a continent. What that blog post did was compared countries to the continent. If you actually compare North America to Africa, you will see that they are closer in size. Africa is about 12 million square miles and North America is 10 million square miles. Asia is 17 million square miles. This does demonstrate how big Africa is because it is almost the size of Asia, but I wanted to point out the logical fallacy of comparing countries to the continent when I think it should be comparing continents to continents. It just seems a little misleading. Either way, I didn’t realize that Africa is bigger than North America. That blows my mind.

I recently talked to a police officer who said that fentanyl is wide spreading and just a micro, pencil dot size, amount of fentanyl can kill someone. Fentanyl has been laced with cocaine and marijuana. I asked him if it is possible for it to be laced with psychedelics such as shrooms and lsd. He said he has not seen it, but that it is possible. How do you all check to make sure that the psychedelics you get aren’t laced with poison such as fentanyl? I have had the opportunity to try mushrooms but I passed because I don’t know how I would check to verify that they are clean.

Yeah. Being a couch potato will get you there faster. Why can’t you be fully present while running and working out. If anything can be a meditation, then why do you want to sit and be lazy?

You’ll get better results if you were able to run 3 hours a day for a week. Did Rocky Balboa sit on a couch to get his gains? I don’t think so. You ain’t gonna find enlightenment on a couch. You realize that sitting on a couch that long is not good for your health. You will become a couch potato literally.

My man. These aren’t mutually exclusive. You are going to be pursuing your LP for the rest of your life. There is no difference between LP and spirituality/epistemology. LP is your deepest fulfillment and if spirituality/epistemology don’t cut it, then cut it.

You cannot find God. You are God. Everything is God.

This is basically God. God is uncaused.

Muggsy Bogues Effort is the way of Rocky Balboa! Rocky isn’t just a movie, it is a way of life!

I have been going over George Berkeley's work on idealism, specifically The Principles of Human Knowledge. One of my main critiques of his work is that idealism thinks that it is being parsimonious by reducing the external world down to ideas in the mind. The issue is that idealism becomes unparisimonious in a counterintuitive way. For instance, Berkeley says that everything is an idea in the mind. But when objections come up such as what happens to objects when they are not perceived such as the tree in the quad? Berkeley states that the tree still exists because it is God who is always there to observe it. But this seems to imply that there is an external world to our minds which is held inside of the mind of God. It is external to our individual minds and is internal inside of God's mind. Rather than go through all of these different hoops and mental gymnastics of saying that God is observing the world and that is why it exists, do you see how it would be more parsimonious to just state that there is an external world? This has been my main criticism of idealism is that it thinks it is being parsimonious but it isn't because of the problem of other minds and things still existing outside of one's perceptions. It seems like Berkeley moves the goal posts by first claiming that everything is an idea and that nothing exists outside of one's perception, but other minds and much of the world exists outside of one's ideas and perceptions of it. Berkeley says that God observes all, which is why it continues to exist, which contradicts his previous statements that everything is in the mind. If everything is an idea in the mind, then God must also be an idea in the mind. How could God exist externally from your mind if we take idealism to its full conclusion? How could any other mind possibly exist?

Hello guys. I found this video and YouTube channel that tours a lot of people's homes. Enjoy!

If half the world see the dress as white and gold and the other half sees the dress black and blue, then who is right? Can you see how contradictory this is? What if your awakenings are like you seeing a white and gold dress when in reality the dress is black and blue? You see, we cannot trust our senses even though our senses are all we have of reality. It is our rationality and contemplation that tells us that our senses deceive us. And even our own rationality is deceptive. Discovering what is true is like trying to best yourself in a game of chess. https://www.wired.com/2015/02/science-one-agrees-color-dress/ Edit: It is a self-referential problem because we are using our senses to discern that our senses are truth/false.

I had a deeper interpretation of the picture. The visual field represents part of the reality that you are viewing and the black space represents the nothingness of your visual field. If you look at your bed and then turn your back to it, the bed becomes that black nothingness. But it really isn’t black. When you turn around, your bed becomes the visuals of colors and shapes. @Leo Gura is this what you mean by the external world being infinity/nothingness?

@Leo Gura Okay. That’s what I thought. It sounds like there is an external world but it is nothingness/infinity. I am still not sure what this means but it helps to explain how there are other minds and things outside of my perception. Even though my perception is limited, it is still absolute. I could go blind and deaf, but that does not mean that the visual/auditory worlds have stopped existing. It just means that my access to the visual and auditory worlds consciousness are impaired/limited. It is the classic tree in the forest question. I would say that the sound is occurring and not occurring because infinity holds all possibilities, it is just that there is nobody to perceive sound. But if there are no perceivers of sound, it seems like the whole meaning of the existence of sound changes because our brains create sound qualia out of sound vibrations/waves.