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What’s the highest leverage way to invest for your children?
Custodial?
529?
Regular brokerage?
Something else?
I would like to start contributing every week for my two kids (and my third soon), but I want it to be flexible and non-restrictive when they’re adults.
Alan Ritchson calls testosterone therapy a "wonder drug" for men entering their 40s and says it's the only way he'll survive 20 seasons of 'Reacher.'
After depleting his natural hormone levels training for Season 1 of Reacher, Ritchson says getting his blood work checked and starting testosterone changed his life both mentally and physically:
Alan Ritchson: "Once I got on testosterone, I felt like a brand-new person. It makes my job so much easier because there is way less wear and tear on my body I don't have to push myself to the breaking point just to maintain my size.
I'm 40 years old now, and for guys in their late 30s or early 40s who feel themselves starting to slow down, testosterone is instrumental in so many mechanisms across the body. It stabilizes your mood, helps carry hemoglobin to oxygenate your cells, makes you feel more awake and alive, and helps process fat while building muscle. It really is like a wonder drug.
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I think it's plausible that within a year we'll see AI-based cyberattacks on the power grid, financial system, internet infra, or water. Things like the French supermarket cyberattack but worse. As basic prep I would recommend:
Cash: Get a few weeks of spending in cash
Internet: Get a Starlink Mini so that you have Internet if local fiber or cell is down (~$150 plus $10/month in standby mode)
Power, minimal: Enough to run Starlink Mini and phones (~$1,250)
Daily need: about 1 kWh (Starlink Mini 0.7, phones and laptops 0.2; can limit runtime)
Battery: 1 kWh LiFePO4, e.g. EcoFlow DELTA 3 Plus
Solar: 1x400W folding panel, which refills about 1 kWh on a sunny day
Power, better: Enough to run a fridge, Starlink Mini and phones (~$5,000)
Daily need: about 2.5 kWh (fridge 1.5, Starlink Mini 0.7, phones and laptops 0.2)
Battery: 4 kWh LiFePO4, e.g. EcoFlow DELTA Pro 3
Solar: 3x400W folding panels, which refill about 3 kWh/day in sun
Generator: ~2,500W dual-fuel inverter generator; refills battery in a few hours even if weather is bad; get a few 20 lb propane tanks
Water: 14+ gal of water per person for two weeks
Food: 2+ weeks of shelf-stable food
Comms: Hand-crank NOAA emergency radio
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2027 will be the capitulation year for many Airbnb buyers. Late ‘27 & all of ‘28 will be your opportunity to score. Deals will be EVERYWHERE in vacation markets. Below is a great write up of what I’ve been telling you all for years. I was the buyer of this in ‘20, got out in ‘22. I wasn’t about to go through 2008 again, after getting my rear end handed to me. The writing was on the wall by 2023. When insanity like this happens a reckoning is coming.
Everybody who bought an Airbnb in 2021 is trying to sell it to me
I own 55 rentals so I'm on every cash buyer list in four states. Those calls used to be about dead grandmas' houses. This year it's guys with a cabin, a hot tub and a spreadsheet that stopped working
I've bought zero of them. Here's the call I get about twice a week:
Cabin outside Blue Ridge, Georgia. Bought in 2022 for $585,000, 20% down, investor loan at 7.25%. The agent's rental projection said $92,000 a year. Last year it did $51,000
His side of it:
Mortgage, taxes, insurance: about $3,850 a month
Manager takes 20%: $850
Utilities, wifi, hot tub guy, firewood, the stuff guests steal: $600
Out: $5,300 a month
In: $4,250
He writes a $1,050 check every month to own a place he's slept in four times. He wants $560,000 and thinks he's being generous
I run one number on any house before I look at a photo. What would a normal family pay to rent it for a year, divided by the price. I want 1% a month or better
That cabin rents to a local family for maybe $2,300. $2,300 / $560,000 = 0.4%
The house I paid $23,000 for in Ohio rents for $925. That's 4%
An Airbnb gets priced like a business, and the business is nightly bookings. When the bookings go, what's left is a 3-bedroom 40 minutes from a grocery store, and it's worth what a 3-bedroom 40 minutes from a grocery store is worth. For his cabin that's about $330,000. He owes $450,000
That gap is why they call people like me. A regular buyer can't get it to appraise, and he can't sell it for what it's worth without bringing six figures to closing
What happened to the bookings, same story in every market I get calls from:
Everybody bought in the same 18 months off the same projections, so one county went from 2,000 listings to 5,000
The same tourists got split between all of them
Cities started capping permits, and a house that loses its permit loses a third of its price that week
Cleaning fees got so stupid people went back to hotels
If you're about to buy one, do it in this order:
1. Long-term rent test first. If a 12-month tenant doesn't cover the payment, you're buying a job that depends on strangers' vacations
2. Get the real booking history out of the seller's Airbnb account. The projection in the listing is a guess from someone who gets paid when you close
3. Call the county about the short-term permit. Does it transfer, is there a cap, is there a vote coming
4. Price it like the permit dies. If that number scares you, that's the real number
If you already own one and it's bleeding, put a 12-month tenant in it now. $2,300 against $3,850 hurts a lot less than $0 in February, and "tenant in place" sells to investors. "Vacant cabin with a hot tub" doesn't
My most boring house has paid me every single month for three years and nobody has ever left it a review
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We sold our TX home in 2020; we were in the top school district in DFW, it was a seller's market, our house was perfection (I still miss it), and after that experience, I swore I would NEVER HIRE A REALTOR AGAIN.
So in 2023, when we sold our house in Charleston, I staged the house, I priced the house, I paid a flat listing service for MLS access, I managed the showings and negotiations, and it was under contract in 3 days, closed on time, at the highest price per sq. foot in the neighborhood.
Why the HELL are you people still hiring realtors to sell your homes?
Unless your time is worth more than 3% of your home's value, it makes no sense to hire a realtor to sell your home. (Purchasing, I understand, especially for first-time home buyers)
Most realtors SUCK; 71% don't sell a single home in a year. It can take as little as 6 weeks to become a certified realtor.
Sell your own house, and bam! You're more successful than 7 out of 10 realtors.
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Xiaoma, a polyglot, was invited to give a speech at a high school for Language Week, and he delivered the entire speech in Gen Alpha slang.
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JL Collins explains the stock market with a glass of beer. The beer is the real value of a company: its sales, expenses and profits. The foam is emotion, hype, speculation, fear and greed, "all foam that can come and go very quickly." Warren Buffett paid for the beer, not the foam.
@JLCollinsNH
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Thought it was interesting so I backtested it too for the last 30 years instead of 15.
Only did well starting from 2012 which is I guess why the original chart starts from 2012…
Interesting idea though
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هالشخص اكتشف بالصدفة مجتمع صغير في ريديت مهووسين بإيجاد منتجات عالية جداً في الجودة بحيث تشتريها مرة وحدة بحياتك ..
اشترى فنيلة من براند برازيلي نصحوه فيه وانذهل من جودته 🙆🏻♂️
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My son asked me a weird question when he entered high school:
"Can you tell all my friends that you drug test me randomly?"
I looked at him and said, "I don't drug test you."
He smiled and said, "I know. But if they think you’re a psycho who tests me every Sunday, I can say no to everything at parties without getting roasted. I just blame you."
Now, whenever someone hands him something stupid, he hits them with:
"Bro, I can't. My dad is an absolute lunatic, he tests me every week and he'll take my car for a year."
Done. Zero peer pressure. Zero lost street cred.
Parents: be the villain in their stories.
Give them the excuse they need to stay clean without feeling like an outcast.
Airbnb's entire rating scale is now 4.5 to 5.0
You can't make this up 😂
Airbnb deletes negative reviews so everything is always 4.7
Google Maps removes negative reviews in many countries as defamation so everything is always a 4.7
Booking sites want you to book so will also happily remove negative reviews for their hotels so everything is always a 4.7
I made a site called Hotelist.com (or HotelList.com whatever you prefer, I have both!)
It gets ratings from all booking platforms, normalizes them to show the actual score (eg a booking site where most hotels are always between 4 and 4.7 means you can normalize that to a 0 and 5)
It also uses AI vision models to rate hotels based on how they look
And it browses the internet for actual experiences (think blogs and Reddit posts) to get the real opinion about them outside reviews
And it's starting to work, I just stayed in this beautiful boutique apartment hotel called Woo Suites in Athens for $400/night. Clean, nice minimalist interior, working cold AC, central, excellent staff, great healthy breakfast, and we found it through Hotelist!
It's free, I don't make any money on it (actually I lose thousands per month on it to collect data via APIs and web scrapers) and there's no affiliate money bs like other booking sites (they will increase ranking of hotels if they pay sites a higher commission!)
Hotelist.com
Tell your friends please!!!!!! 🙏
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Was old framing better than new framing? Learn how framing change and why
BAS Renovation
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finished the fresh air intake for my house. CO2 levels - and my sleep - immediately improved.
there must be so many people fiddling with temperature or sleeping alone when it’s really just high co2.
here are some things I learned that might help you.
A Bellagio probability analyst just burned 37 years of loyalty to the ground - and took MGM's entire mathematical playbook with him.
Fired on a Tuesday over a payroll glitch. By Wednesday he had written the document that exposes how casinos collect $4,000,000 on a single Saturday night without ever risking a dollar.
This is his revenge.
$340,000/year. The man MGM called when the numbers stopped making sense. 37 years protecting this system. 48 hours destroying it.
MGM's lawyers sent three takedown notices. It's still up.
Here's the math he kept secret for nearly four decades.
Every game runs on negative expected value for the player. Always. By design.
European roulette: 2.7% house edge. 200 tables. 500 spins. $50 average bet. One Saturday night: $1,350,000. From roulette alone.
Slot machines: 5-15% house edge. 800 machines running 10 hours: $12,000,000-$36,000,000 extracted in a single night. The machines never close. The math never stops.
The jackpot illusion he personally designed signage around. A $2 lottery ticket: expected value -$1.40. The $10,000,000 prize doesn't move that number by a cent. It just makes people buy more tickets.
He knew. The casino knew. Nobody told the players.
$10 bet. 2.7% edge. 1,000 spins. Expected loss: $270. Not estimated. Mathematically guaranteed.
He watched this happen every night for 37 years. Smiled at guests walking through the door.
Until Tuesday.
Watch the moment [Fig. 2 - Cumulative Profit over 10,000 Bets]
Best case: flat. Expected: -$2,700. Worst case: -$6,000.
Zero scenarios end positive.
The chart every casino GM has memorized - and every player at the table has never seen.
Working Note on Applied Probability - No. 14, September 2026
Written in 48 hours by a fired Bellagio probability analyst
bookmark this
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I video’d the Tesla service guy cleaning my front camera. Now I can do it myself… and you can too 🤠






































