No. SGOV dividends (as well as treasuries) are taxed as ordinary income at a rate of up to 40.8%. Add in state taxes, and you're paying nearly half of your already paltry income. It's a very bad deal.
BOXX is taxed as capital gains and only when you sell. If you hold for a year, the maximum rate is 23.8%. Note that this is a somewhat novel product so there might be ruling against it in the future, but in theory it works.
Perhaps you are confusing SGOV for a muni, which is generally not taxed at the federal level. These have other downsides, such as higher risk and lower yields.
In any case, lending money to the government is a pretty awful deal. They dilute you constantly and charge you extortive taxes for the privilege. In the end you're much better off owning a shiny rock (might write a post about this later).
jeroboam
19d ago
I am also curious and PM'd the user. I am 90% sure he's talking about Bogleheads because we live in a boring world, but hopeful for something better.
jeroboam
2d ago
I read the speech and I have to say it almost made me want to convert to Latin Mass Catholicism.
What I was especially drawn to was the image of traditional values winning vs. how I personally tend to wallow in more negative news.
jeroboam
4d ago
Re: your fact about major corp's donations; It was the NYPD and ... The United States Marine Corps. God Bless the Alcoholic Gun Cult.
It's crazy how total the left's demand for control is. They will not rest until they control literally every institution.
They already have the universities, nearly all major corporations, the media, the bureaucracy, the non-profit sector, the rich, the technology sector, and the legal system (minus the Supreme Court). But we are assured that just a single election could usher in a right-wing fascist dictatorship. It's delusional.
Tangentially related...
How much should Trump get even, if he is elected? Either choice he makes seems pretty fraught.
Option 1) Play the bigger man. Pardon himself, obviously, and a few limited other people. Beyond that do nothing. This will prevent a wider conflagration in the culture war. Downside: without a tit-for-tat, the left will be emboldened for much greater tats in the future.
Option 2) Do unto him as he hath done unto me. Pursue corruption investigations against his pursuers (many of whom quite deserve them). Go after voter fraud and ballot harvesting. Turn the executive branch against the left in the same ways it has been turned against the right thus far. Upside: When both sides are armed, the chance for peace is higher than when only one side is armed. Downside: The system will probably resist him, and it could provoke a bigger backlash.
If I were Trump, I'd go with option 1. In reality, I expect him to just do whatever he wakes up feeling like he should do that day with little follow through.
After nearly a decade of commenting on this sort of stuff, I don't think there's a lot more to be said about any of it.
True. Which is why the people who comment about HBD are also the people who discovered it like last Tuesday and have all of the same bad takes.
Then random people on the other side pop up saying "my dude, all the races have the same IQ, it's science", apparently having missed the entire conversion or feigning ignorance.
It's Eternal September.
So it gets boring. At first HBD felt exciting because it was "forbidden" knowledge. Now, the HBD thesis seems so obvious and settled that it's not really worth debating. But every September more young rationalists will have to make that journey again, walking over well-worn footsteps.
jeroboam
4d ago
That seems like the obvious answer.
Personally, activity levels have no bearing on my weight. I just got back from California where I walked 10 miles per day on average. I gained weight. Eating 4,000 calories in a day is just so easy and enjoyable for me. I'd say I'm 90th percentile in activity and my resting heart rate is in the 40s. Still kinda fat, though. I gain weight whenever I'm not actively dieting.
I do think there is an activity level that is sufficient for weight loss, but it's extremely high. When I was young, I was probably 99th percentile in activity and was quite skinny.
Great post and I think it provides valuable context.
powerusers farming karma
But... why? There is no use to karma. I have lots of karma on Reddit. Trust me it's useless. This isn't Twitter. Posts from users with 1 million karma are not given more visibility than posts from users with 100 karma.
The game is not farming karma for $$$. The game is trying to capture Reddit for the left. And it worked.
Mods of even the largest subs are given no tools to identify bad users. We were never told by admins when a brigade was happening, we had no method of specifically detecting brigades
As to those random subs popping, the paid users either start new ones or take over dead ones, then upvote bot submissions in their critical windows so they're pushed to wider visibility and actual users start upvoting.
It's just so easy. 0.01% of users can control the narrative quite easily. Just create a bunch of accounts to upvote/downvote during the critical window right after posts or comments are submitted. They aren't even "bots". They're real people using VPNs.
Trump supporters did it back in 2016. Then they got banned. Now only the left is allowed to do it.
Is Elon Musk a failure?
Men stick their necks out because it's in their nature to do so.
If we're going to go full armchair evolutionary biologist, risk-taking makes sense when most men don't reproduce and a few lucky ones have dozens of children. That was our ancestral environment. The risk-taking genes have been tempered from thousands of years of civilization. But they're still there.
jeroboam
5d ago
I think there’s also an element of them getting to wear keffiyahs (which look cool) and do a big cultural appropriation without getting in trouble for it socially.
It's too bad that the woke schoolmarms ruined cultural appropriation.
Some people really, really, love to play dress up. Its not for me, but it seems like harmless fun and now its just another fun thing that's been ruined so that some people can signal their own moral superiority.
If some bored college girls want to wear a keffiyah I say go for it. Let's make the keffiyah and low-cut blouse look a thing!
jeroboam
19d ago
What I saw was that a lot of them get banned pretty quickly, but some of them turned around and sold their account to a third party.
But... why? Reddit users don't have followers like Instagram or Tiktok.
There's almost no value to a Reddit account, even if they have 1 million karma.
jeroboam
3d ago
First things first, have you gotten your T tested?
Here's what I use to save money on Lab Tests. It's really easy to get blood tests and not too expensive. https://www.ultalabtests.com/
jeroboam
6d ago
Despite making up 13% of the population, 15% of NFL players are black
Typo. 53% are black.
Did you read the threads? The comments were all political, not selling products.
Also, as a Reddit user, I can tell you that I almost never encounter any "bots" shilling products. It simply doesn't work. You can go into a user's history quite easily. And if someone posts 10 comments for "Product X rules!", someone else will notice, post that, and they'll be downvoted to oblivion.
jeroboam
29d ago
How so? It doesn’t seem to be reflected in either Facebook corporate actions or his personal philanthropy.
jeroboam
2d ago
I’m not really opposed to colonialism. .... Generally the colonized people (with certain political restrictions) ended up with more freedom.
I agree. Anti-colonialism, as practiced in the real world, is the belief that groups have rights but people do not. That it's better to be a slave under people who look like you, then free under a white person.
jeroboam
6d ago
That was a beautiful and erudite post. Thank you for sharing.
As late as the 18th century, there was still a case to be made that China was the most powerful and prosperous nation on the planet
I believe that, excepting nuclear weapons, China is currently the most powerful nation on the planet. It's true that the western nations are in general more creative but this is offset by China's higher population, higher IQ, and higher diligence. In 2024, China produces most of the things that matter.
So, if China was ahead before, and they are ahead now, what happened in the meantime?
My answer: The Industrial Revolution was unique. Productivity increased at an extremely high pace for 200 years. In this brief, high-growth environment Western creativity dominated over Chinese diligence. But this period of history appears to have ended. Growth has slowed in the West, allowing China to catch and even surpass the West in many key areas.
Caveat: AI is a major wildcard.
jeroboam
1d ago
They try, but they're just so bad at it. Part of it is unavoidable. The U.S. is the world's top oil producer now.
But also, these governments are clown-level incompetent, and are always backstabbing each other to avoid their quotas. In other news, apparently one of the helicopters sent to aid the rescue of the Iranian President has crashed with multiple casualties.
True. California, for example, was actually against gay marriage in 2008 when they had a secret ballot vote to make it illegal statewide.
People's actual opinions changed rapidly, not just their stated opinions.
jeroboam
17d ago
Start a cult.
If you aren't charismatic enough find a charlatan and then be his right-hand man that handles the finances.
The Bagawan is a good model: https://en.wikipedia.org/wiki/Rajneesh
Forgot to add that one! Rules make it harder to consume calories. But... I don't think that explains it. Even intermittent fasting is not a particularly effective strategy. The problem is that fasting now just makes you hungry later.
Funny how modern humans need "fundamental skills" but people 50 years ago just lived their normal lives and stayed skinny. This strikes me as Usain Bolt saying "you need to develop the skills to run fast" as if 99% of it wasn't God-given.
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