Laptop Mercenary
@maceskridge
Followers
1,351
Following
628
Media
250
Statuses
10,821
Fintwit’s remote work maximalist; slinging code for the highest bidder; buy high sell low; financial strategy; ship it to prod
Texas, USA
Joined February 2017
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Pinned Tweet
Outlining the full case for why a recession is coming in about 6 months 🧵
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@SoCalGoulah8
I did the math and at least for people in my situation, Texas is more than 3x better deal
It's a common myth that you pay more taxes in Texas.
This myth is not only wrong, it is wrong by 3x - 5x for high income earners who do not overspend on property.
You don't want to live somewhere that has a state income tax.
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@AutismCapital
Imagine being a California high earner
Options: either vote for your own financial liquidation, or vote for the orange man.
It’s deadlock. Error. Does not compute.
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@GayBearRes
I heard a story on YouTube about a boomer small business owner paying $12 /hour, saying “this is a good job,” shocked at how she couldn’t hire anyone who wouldn’t steal from her.
I think this is true up to and including Congress and the federal reserve bank.
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@MarketPalmer_
I mostly get a “didn’t happen” vibe from the story. If it did happen, then someone is probably very frustrated that literally no one is tipping in that situation.
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@theficouple
🤷♂️ How are they trapped if they can sell then move to any home of equal value?
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@unusual_whales
Probably an excuse given by their director of software engineering to finally get rid of the semi-useless offshore contracting hack shop that the CEO and board made them hire
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@menlobear
There isn’t much point in steel-manning overt sophistry.
Current border policy objectives are:
A. get votes for the Democratic Party
B. Influence districting via the census
C. Economic & business stimulus
The no border security result is downstream of political
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@theficouple
Do they really need a home with more space?
Their grandmas and grandpappies would have made it work
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@FinanceMaster06
No, when you hit $100k the fed raises rates and then you stay there for years, then the fed lowers rates and you instantly go to $300k
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@AutismCapital
In linuxland, being unable to boot because of an update is just a normal Tuesday
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@GuyTalksFinance
The most based option here is to have paid off mortgage and have a 0% rate and no golden handcuffs.
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@hansomekelly_
@unusual_whales
Only after you follow the 10 easy steps to become a millionaire 🧵
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@safetyth1rd
You don’t want to live in a society where everyone is retired and there aren’t enough young people to stock grocery store shelves
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@realEstateTrent
The problem is: live in rural CA and you are still beholden to the San Fransisco blue haired tax policy.
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@akm515
$500k+ is crazy for a house. That is why I tell people, never pay more than $250k for a house under any circumstances, and don’t sign a 12 month lease either
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It's a common myth that you pay more taxes in Texas.
This myth is not only wrong, it is wrong by 3x - 5x for high income earners who do not overspend on property.
You don't want to live somewhere that has a state income tax.
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@thechosenberg
The number of payments remaining is less than 360, so I’m guessing it was refi’d and the UI does not convey that well
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@menlobear
Inflation has been 15% YoY since 2020. Rich people use real estate as a safe harbor.
If no one can afford houses, that’s fine, market doesn’t care. Rich people will and poor people will rent. The highest price for a thing is the market price (Thomas Sowell, Basic Economics)
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@WallStreetSilv
When I left Seattle, city law required everyone to show a CDC vaccination card to eat indoors at a restaurant.
Austin had its moments, but has been nothing like Seattle.
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@VicHFN
@WallStreetSilv
The only way you go from two million to deli worker is by trading options without any hedging.
That’s insanity, it’s not “what the fed is encouraging us all to do.”
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@anammostarac
TC is Total Comp right?
It’s mostly a vanity metric. Talk to me about cash flow. The equity is only good till you get laid off.
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@BarbellFi
You don’t have to get burned out to make $170k.
Burnout is uncorrelated with income. Bad bosses will run their employees ragged at $60k /y just as easily as $170k.
It’s a narcissism problem
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@DestinLabs
@SoCalGoulah8
Only reinforces my point. Lower house price is better. Work remote and get paid the same as someone in SF.
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@ScottAdamsSays
Didn’t
@jordanbpeterson
say that if you put people in paradise, they will start breaking things just because they’re bored?
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@ScottAdamsSays
Is this a good time to share my hypothesis:
The reason why there had to be a pandemic with masks in 2020 is that the simulation was reaching its polygon count limit
Brings new meaning to: flatten the curve
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@WallStreetSilv
The entire retirement system
1. Designed to get people to retire at an age the government chooses and can change anytime, not the age they choose
2. But really they can’t retire then either because it all relies on unsustainable 10% YoY stock growth
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@alessabocchi
The environment should be protected
Tracking only CO2 emissions however is a classic example of reductionist metrics.
Bad metrics = you can claim success, while billions of disposable facemasks shed microplastics into the world’s oceans
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@ZubyMusic
Have you read The Creature from Jekyll Island? The rabbit hole is deep — the book refers to the fed, among other things, as the supreme instrument of usury, and a vehicle for totalitarianism.
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@unusual_whales
They’ll print the difference.
Social security holds government bonds. It’s all a spreadsheet. Always was, always will be.
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@unusual_whales
Yay I can get a kids sized micro burger for what a Big Mac cost before the largest wealth transfer in history March 2020
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@SaiyanFinance
No keep it in Fidelity. Don’t fall for the used car salesman tactics from payment for order flow trash brokers
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@JesseFrom612
@MsBlaireWhite
It’s a trade off between visible deterrent and the secrecy you mention, plus open carry makes it difficult to enter some businesses or might lead to discrimination.
The visible deterrent probably would prevent a good amount of trouble.
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@dotkrueger
There’s so much liquidity in the stock market that this value is only really findable in private equity today
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@BarbellFi
Your purchasing power would decrease over time as true inflation is closer to 15% YoY
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@itsmarkmoran
The cost of gym memberships is not the barrier to entry.
It’s mostly the food supply chain
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@FluentInFinance
Easier to list the ones that aren’t
Computer Science
Electrical, Mechanical, Aerospace, Industrial Engineering
Accounting, Information Systems
MBA & Finance — ONLY at graduate level, after undergrad in something else
Nursing / medical
Most everything else is poor strategy
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@rohindhar
$40k is extremely low, even for 2014. We’re probably talking a bankruptcy auction or crack house in need of renovation
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@alifarhat79
Meta hires Twitter’s latte drinking rejects and thinks they can build a nice app lol
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@Fignys1
@schibs_m
@DestinLabs
@SoCalGoulah8
A roofer or plumber is going to have an easier time owning a home in the Midwest than in California
… even a Barista will.
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@GayBearRes
They need to give Uncle Dave a listen, sell the house, sell their cars, pay off the credit card debt, and rent a grubby 400 sqft studio for the wife and three kids
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@embersunn
Just wait till they sample the quality of CS grads.
Not saying they aren’t smart, but you get similar quality issues with junior devs of all backgrounds
Either be willing to invest, or only hire senior devs. There is no in between.
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@cadeinvests
Invest in S&P 500 anyway because the S&P not returning 10% YoY violates Newtonian physics
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@realAaronHermes
@Cernovich
Being an outsider helps in the primary, not the general
The general election is decided by voters whose level of attention to Politics is “wasn’t he arrested? He must have done something wrong.”
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@Budgetdog_
It’s almost always both.
Those who discount luck do not realize how lucky we are and how fragile our civilization is. The fact that there is a stock market that goes up about 10% per year has only existed for about 100 years of history and could easily stop existing.
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@GRomePow
I think we’re already in the crash, and haven’t noticed yet because no one wants to sell stocks for junk cash, and the unemployment rates are rigged.
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@jasondebolt
@QasimRashid
Every Republican I know is so obnoxiously pro trade school that I end up defending college when talking to them
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@GuyTalksFinance
This guy is over-stating his power level a bit. $50k /year FCF is good but it’s also average for an engineer, doctor, lawyer, any professional who does not overspend.
Anyway, 50% real estate (mortgage prepayment), 50% NASDAQ is smart in the current macro.
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@WholeMarsBlog
Elon is the spirit animal of engineers everywhere. Hyper-competent people gravitate to his orgs because they know he tolerates zero BS.
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@BretWeinstein
Ironically, AI is on a course to fail because it lacks diversity
No one is going to program it to be disagreeable. It’s the ultimate yes-man; it can only say things that are statistically likely, not the things that need to be heard
That may change, but today AI devs are
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@ScottAdamsSays
Only one of those sides is offering money for a debate showing both sides to happen; that should be telling.
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@SpiritofPines
Consider getting a second opinion. Insurance not wanting to pay for it is a big red flag. Could be legit, but it’s also pretty common for dentists to do a hustle where you absolutely have to pay them $10k or you will be George Washington with wooden teeth.
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@investmattallen
@HeroDividend
He’s been investing $100 per month into dividend stocks for 180 years
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@KobeissiLetter
Come on China, start using social credit score as a financial incentive. +10 points if you YOLO into the markets.
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@WallStreetSilv
Amazon refusing to stream sound of freedom is surprising, because they generally list everything that wants to be listed (unlike other services).
Did they give a reason why?
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@ConceptualJames
I just assume it is trending because everyone knows we’re living in the decline of an empire but no one wants to say it explicitly
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@thechosenberg
The best swordsman in the world has nothing to fear from the second best swordsman, because he knows he can win.
He should however fear the complete amateur as he does not know what to expect.
Tyson loses first. Fighting is more unpredictable.
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@thefallguy7777
@ElijahSchaffer
If you look at a map of Europe before WW2, and a map after, they will show that the Soviet Union acquired half of Europe; they certainly weren’t the good guys
Everyone else’s results were a wash at best
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@ESYudkowsky
I gave GPT4 data from SVB’s 2021 balance sheet, and it identified interest rate risk as SVB’s most significant risk, and recommended that they rebalance into shorter term bonds.
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@yacineMTB
Computer Science + MBA is a good combination. You can get a lot of jobs making software in corporate, operations, etc. with that combo.
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@GrindeOptions
The Ramsey formula which I agree with (and might be modifying a little);
1. If you have no dependents, don’t buy any life insurance products
2. Never buy whole life
3. When you have dependents, buy term life until you are rich
4. When you are rich (enough assets to make life
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@gurgavin
If they had hired him maybe he would have taught him how to not get sued by the SEC
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@GayBearRes
Yeah, don’t gamble money away, keep maximum reserves, when you get a job in another location don’t sign a lease or buy a house, rent a hotel room until after you start.
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@MichaelAArouet
There is a point here however it isn’t a good comparison, because ROI on failed gambling is always -100%. A lot of those day traders are getting a return, just not alpha.
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@krassenstein
Much of the alignment being done feels like the opposite of alignment; they are creating a machine with strong, hardcoded ideology and bias.
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