r0ckyreed

Even a job is a gamble. If everything is a gamble, then you might as well make smart gambles. Keeping your money in the bank is a gamble because your money loses value from inflation 3-5% per year. Whereas investing in a mutual fund with a solid track history is a calculated risk. Driving your car to work is a gamble, but there are ways you can do it consciously and unconsciously. Life is a game a Texas Hold'em. We don't get to choose our cards. All we can do is play our best hand with what we have been dealt with and keep moving forward.

You mean we don’t deserve their help? We aren’t beyond their help. We are beneath their help.

No such thing as fate because fate is based on an imaginary future. The only thing that exists is now. Everything is now.

I think there is some truth to humans being diurnal and that our bodies experience higher cortisol associated with the nocturnal lifestyle.

https://youtu.be/ANhf-b2POB4?feature=shared I just opened a Capital One 360 Savings Account and am getting 4% interest.

I am thinking about posting a review in the next couple months of what I think is the best HYSA. So far, I am really liking Wealthfront. It is easy to use and I can see all my money and have all my accounts in one place. Capital One and Marcus are also great options. I personally do not care for Ally Bank.

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.