John Rea

There's a simple solution to this: -Joint bank account (all income goes in, all shared expenses come out) -Each spouse keeps separate account -Any surplus (in joint account) gets split (50/50) and sent to separate accounts -For big purchases, each party deposits back into joint

"It was just instinct. I'm trying to get the bad guy." NYPD Chief Aaron Edwards, who has been hailed as a hero for leaping over a barricade and chasing down the Gracie Mansion bombing suspects on Saturday, says he doesn't want that viral picture to be about him: "I want it to be about the day. I want it to be about what we did. I want that picture to be a reminder to New Yorkers that your cops, the members of the NYPD... we're going to be relentless in pursuing justice. There's going to be no obstacles. Nothing's going to stand in our way from protecting New Yorkers"

Somewhere out there is a guy who uses Notion, Superhuman, OpenClaw on a Mac Mini, Raycast, a mechanical keyboard ($400), Wispr Flow, and gets nothing done every day

Client inherited stock with incorrect basis and couldn’t reconcile the shares. AI researched the fund history and uncovered a 3-for-1 split in 2024 that explained it. If outdated ChatGPT tax answers have you convinced you're irreplaceable you aren't paying close enough attention.

Many people, even self-described conservatives, think socialism would work if human nature were different. No. Socialism cannot work, even in a hypothetical society of selfless genius saints. Why not? Because socialism centralizes economic choices. How much lumber do we produce? How much wheat? What should the hourly wage of a garbage collector be? How much should insulin cost? How about bread? Socialists think that if you elect the right people, they will make these decisions intelligently and altruistically, and everything will be great. But it doesn't matter how smart and benevolent you are... you can't make a good decision without the right information. The Socialist Central Planning Committee, however wise or benevolent, doesn't know what's wanted, or what's available, because that information is conveyed in prices, and accurate pricing is the very thing that socialist governments wipe away with the bureaucratic pen. Capitalist networks are decentralized. They distribute decision making to where the information is. A man selling metal doesn't know anything about desks, or lumber. He doesn't know how many desks people want, or whether they should be made out of oak, or folded metal. But he does know how much it costs him to smelt iron ore into steel, and roll it into sheets. So he sets a price, and others decide whether, and how much, to buy. That price contains the information others need to decide whether steel is plentiful, and should be folded into anything you can make out of sheet metal, or is scarce, and should be saved for things that can only be done with steel, and furniture should be made out of oak, or pine, instead. Socialism works, or rather doesn't, by using the threat of force to set the prices of things, or take money from one person and give it to another. But every time this happens, critical data on supply or demand is erased... data that you need to make decisions. Individual prices are a decision, a guess at where supply and demand cross paths. But since free markets reward those who guess correctly, or copy a correct guess, aggregate prices are data on supply and demand. For a socialist central planning committee to order the manufacture of the correct number of cars, or to correctly set the price of a car, they need to know a thousand thousand thousand things about steel and aluminium, welders and assembly robots, rubber and glass and lithium batteries and copper wire, which they must gather, along with trillions of other pieces of data, from literally everyone in their entire civilization. Tesla only needs to know how much people charge them for the stuff they need. At every transaction in a captialist society, vital data is compressed into its most compact and useful form, then passed along to the adjacent step, where abundant brainpower is waiting to make decisions with it. Any defective node in the web that fails to make good decisions receives swift and automatic feedback, and either heeds that feedback or goes out of business, to be replaced by someone who will. Yes, in a capitalist system, there are many undesirable results. But capitalism doesn't create these results. It discovers them. They are inevitable consequences of the state of technology, and will persist until something is invented that changes the terrain. In socialism, no such solution is possible, because all the inherent problems you need to solve with progress are hidden from view by the far worse problems you created for yourself by separating the place where decisions are made from the place where information is known.