heisdreamingnow 🔮

don’t let romance get in the way of achievement and don’t let achievement get in the way of romance

@Tas1Bora HR should be illegal

This needs to become illegal. It is data collection + intimidation of existing employees + stock market manipulation + HR pretending to be working. Literally nothing is good about it and it damages the social fabric a lot.

@CoachJeddFisch holy goated

Thoughts on our new Director of Creative and his Team?!?!?

@zillow get claude to fix your website it's fucking terrible. crashes every 10 seconds

@fuqnbearish @inversebrah pnac as been public knowledge for 20 years give me a break

@inversebrah He's right you know. He predicted the war on Iran a year ago.

discuss

@romanhelmetguy I started watching this guys videos thinking it was gonna be cool and half way through the first one he says that money is actually infinite and the only reason poverty exists is because they don’t just print more money then he calls everybody who questions him brainwashed

Many of you listen to this guy. Many of you even believe he teaches a real class. Anyway, he lives in Beijing. He claims Iran will win the war by destroying GCC desalination plants. A month from now, we’ll check back and you’ll apologize for believing psyops and cranks, ok?

@AutismCapital from the creators of “fraud isn’t that bad actually” we present to you: “5% annual wealth tax”

This is insanity. How does this not make your blood boil? They want to institute a mandatory *ANNUAL* 5% wealth tax on Billionaires (next it will be millionaires don't forget) and give handouts (bribes) to Americans and MINIMUM PUBLIC SCHOOL TEACH SALARY. What does that mean? It means more people going into teaching who will indoctrinate the next wave of voters to push for even MORE wealth tax, with even BROADER scope, to feed the self-fulfilling theft machine. For the millionth time, this comes for YOU tomorrow. It doesn't stop at the billionaires and it certainly doesn't stop at 5%. Nothing ever pauses. It either becomes more or less. This is absolute insanity.

@bobby_halstead @RealJarTaylor @Steve_Sailer what do you think ocd is?

1. She had natural talent, early on 2. Her dad is OCD x 10, and home schooled her so she could concentrate on skating 3. She literally skated ever day over a two year period as a preteen, culminating in her winning the women’s national title at 13, youngest ever 4. Her Tiger Dad spent over a million dollars on her training Definitely genetics involved, but also countless, unimaginable hours put in skating over most of her life. Incredible work ethic. Well deserved.

Alysa Liu, who just won the figure skating gold medal, was an IVF baby, whose biological mother is a white egg donor. Her Chinese-American father, Junguo (Arthur) Liu, probably screened donors very carefully. Something for eugenics skeptics to consider. HT: @Steve_Sailer

According to this study, you must approach the slot machines with an open heart

@townbrad yeah that’s not going to happen

Think it's going to be an extra-great year for Seattle. I'm hearing NBA Board of Governors likely to vote on expanding by two teams this summer and Las Vegas and Seattle are favored.

@okaybears forgive me I haven’t been paying attention but 2 NFT drops weren’t enough now you need a kickstarter? to do apparel?

Okay Live starts in 70 minutes 🐻 We’ll talk about what’s next for Okay Bears, show a preview of the Kickstarter page, touch on a bit of AI, and cover what’s new. Coming up. twitter.com/i/broadcasts/1…

@TravisSCouture step 1: create SNAP benefits step 2: pay for them by raising taxes step 3: let people buy sugary drinks with SNAP step 4: create sugary drinks tax step 5: raise taxes to pay for SNAP benefits because “inflation” oh

INBOX: HB 2734 just dropped. It’s a tax on sweetened beverages. 3 cents per fluid ounce. A 24 ounce drink with sugar in it would cost nearly 75 cents more. Solving an affordability crisis one tax at a time! 🤦🏻‍♂️

JUST IN: Coinbase CEO Brian Armstrong says crypto and AI are "just getting started."

RIP Jeffrey Epstein. You would’ve killed it on Joe Rogan.

@NFL_Researcher they are terrible

The Patriots have averaged 18.0 PPG this postseason, the fewest by any team to make the Super Bowl since the 1979 Rams (15.0). #NEPats

@CooperKupp @Seahawks BIG DAWG

@j_rankin1 @CamInman

@CamInman If Seattle wins a SB in Levi’s, the football Gods officially will never let SF win

Seahawks left a couple cigars in Levi’s Stadium visitor’s locker room, perhaps they plan on coming back to finish them at Super Bowl LX

@amandaorson this post makes me think they should bring back character limits

Your credit card rewards exist because someone else is paying 25% APR. Cap that at 10% and the points don’t survive. I spent years working inside fintech and card programs. That interest margin is the invisible buffer that makes rewards, lounges, and credits pencil out. Capping credit card APRs at 10% sounds like an obvious consumer win. Cards charge 20 to 30%, many consumers revolve balances, and the system feels punitive. But credit card economics are not just about interest rates. They are a cross-subsidized system where revolvers subsidize transactors, rewards rely on behavioral inefficiency, and risk-based pricing subsidizes access. Remove one leg of that stool and the system does not become fairer; it rebalances. And the costs show up where consumers notice most. Lets look at how this would impact 3 programs 1. AMEX Platinum A 10% credit card APR cap would not make your card cheaper or better. You would still have access, but you would almost certainly get less value for the same or higher price. The Platinum brand survives because its customers are affluent, pay in full, and tolerate high annual fees. What quietly supports that ecosystem is portfolio-level profitability, which allows AMEX to tolerate loss, overuse, and inefficiency in premium benefits. When that margin shrinks, the cost shows up directly in your (lesser) benefits. In a world where: - Rewards economics tighten - Devaluations become more likely - Flexibility is reduced Points become a liability to the issuer, and liabilities get repriced. So what this likely means for you as a Platinum cardholder: - Lounges do not expand to fix crowding. Instead, access tightens or amenities are reduced. - Statement credits become harder to use, more fragmented, or less generous. - Annual fees go up - New approvals become more selective, even for high earners. Your card still works, but the value proposition shifts. Platinum becomes more explicitly pay-to-play, with fewer hidden subsidies propping up premium perks. You pay the same or more, and you get a little less in return. Which is why some people are already warning that points devaluations become more likely in this environment (like @BowTiedBull this morning saying "Dump ALL your credit card points. All of them.") 2. Bilt Card This program is the canary in the coal mine for what to expect. Bilt’s super popular rent rewards worked because Wells Fargo was willing to subsidize them. The card offered 1 point per dollar on rent with no fees because Wells Fargo paid Bilt roughly 0.8 percent (80 bps) of each rent payment to fund rewards... despite earning little or no interchange on those transactions. But that is some actuarial level math with a number of variables at risk that proved wrong/ unsustainable. Wells Fargo was getting hosed $10 million a month on the program, so they exited the partnership years before the original end date and forced Bilt to restructure its rewards with a different bank What does that teach us? - When interest and interchange margins shrink, banks stop tolerating loss-leading reward programs. - Interest income does not fund every reward directly, but it provides the buffer that allows experiments like Bilt to exist at all. - Remove that buffer and rewards must be paid for explicitly. Bilt’s shift to a three-tier lineup with annual fees is not an anomaly. It is the direction rewards go when credit stops quietly absorbing losses. Pay-to-play rewards. What feels like consumer protection will shows up as fewer perks, pay-to-play rewards, and less room for innovation. 3. Credit One & other Subprime Cards Now the least glamorous corner. Subprime cards get criticized for high APRs, annual fees, low limits, minimal rewards. But they exist for a reason. They serve thin-file borrowers, damaged credit, people shut out of conventional loans, households using cards for liquidity not perks... but they charge high APRs because charge-offs exceed 8-10%, fraud and servicing costs are higher, and credit limits are small while fixed costs remain significant. A 10% cap makes these products mathematically impossible. These cards don't become cheaper. They cease to exist. As @sytaylor noted this morning - "You realize this will push many more customers towards loan sharks?" The demand for credit doesn't disappear... it migrates to BNPL with opaque effective APRs, chronic overdraft usage, fee-heavy installment loans, and less regulated lenders like loan sharks/ payday loans. So who WOULD win? Debit-First Fintechs One of the least discussed consequences: where would reward customers migrate? I think 1% cashback programs are an obvious winner. Chime, Varo, Current and niche cards like Greenlight and Privacy. (If you have not worked in a fintech or a bank you probably don't know what the Durbin Amedment is - but the TL;DR is that very large banks (BoA, Wells, JPMC) have capped interchange rates of around 27 bps on debit swipes. Small banks with < $10B AUM, however, do not - they can earn 1-2% on interchange (avg was 160 bps or so last I checked). Which is why all of the debit card fintech companies you've heard of are partnered with these smaller banks - they can offer rewards like 1% cashback programs and still have margin sufficient to build a business around.) In a world where credit rewards shrink, access tightens, and annual fees rise, debit-based fintechs look better by comparison. But consumers lose: credit protections, payment float, stronger dispute rights, credit-building opportunities. TL;DR An APR cap feels like consumer protection. In practice it reshapes the market in ways that are easy to miss: - It will shrink access to credit - Eliminate rewards programs that aren't tied to high annual fees - Force risk into less regulated channels - Unintentionally advantages debit over credit - Help affluent transactors more than vulnerable borrowers Credit doesn't become cheaper. It becomes scarcer, less flexible, less transparent. But banks will adapt. Fintechs will adapt. Consumers caught in the middle do not get protected. They get fewer choices, worse products, and priced out.

@Tyleralley @realEstateTrent “science backed” meaning what?

@realEstateTrent My wife is a therapist that works with children and says this is science backed Personality for the most part is developed at age 6

The most fascinating documentary I’ve ever seen is called The Up Series. It followed the lives of a group of 7-year-olds - and filmed them at age 7, 14, 21, 28, 35, 42, 49, 56, and 63. Biggest takeaway: Who you are at 7 is likely who you are at 63.

@screentime why can’t they just scale up? you’re gonna make a gajillion dollars, hire some people and release some fucking gams ffs

'GRAND THEFT AUTO 6' reportedly has Rockstar unsure if they will make the November 2026 release date ▪️ Content in the game is not complete ▪️ Developers are still finalizing missions, and making cuts for the final game ▪️ Rockstar would rather let release date slip than release in an incomplete state (via: Jason Schreier on Button Mash)

@KobeissiLetter how much does Greenland cost?

BREAKING: President Trump announces that Venezuela is “turning over” between 30 and 50 million barrels of crude oil to the US which will be sold at market price. This oil will be sold for as much as $3 BILLION.