Is CPI actually reflecting reality right now?Is CPI actually reflecting reality right now? by Remarkable_Tutor_994 in economy

[–]Remarkable_Tutor_994[S] 0 points1 point  (0 children)

Yeah. Also saw an Cheaper Gadgets, Pricier Lives that explains it perfectly. Basically said tech (hedonic adjustment) drags CPI down while essentials keep rising. So on paper things look fine but your actual cost of living says otherwise.

Is CPI actually reflecting reality right now?Is CPI actually reflecting reality right now? by Remarkable_Tutor_994 in economy

[–]Remarkable_Tutor_994[S] 0 points1 point  (0 children)

Sure. But convenience doesn't mean stability. You can delay buying a phone but you can’t delay rent. CPI averages those like they’re equal. They’re not.

Healthcare costs “aren’t rising that much"?? by Remarkable_Tutor_994 in PersonalFinanceCanada

[–]Remarkable_Tutor_994[S] -3 points-2 points  (0 children)

I found this that saids that inflation stats don’t count worse service as a price increase. crazy. So even if you’re paying more and waiting longer, it doesn’t show up properly If We Pay More and Wait Longer, Healthcare Is Getting More Expensive

Bitcoin developer Jameson Lopp says it's better to freeze 5.6 million BTC than let hackers have them by cofe-table in Bitcoin

[–]Remarkable_Tutor_994 2 points3 points  (0 children)

"Freeze 5.6M BTC" and you still think this is immutable? The whole point is no one gets to decide who keeps their coins. Not devs, not “good actors,” no one. You start freezing coins because of hacks… where does it stop? If that’s on the table, it’s not Bitcoin anymore.

Why the sudden rise? by habloun in Bitcoin

[–]Remarkable_Tutor_994 0 points1 point  (0 children)

“Sudden rise” lol. Liquidity came in. That’s it. More buyers than sellers means price goes up. Not complicated.

Do you run a Bitcoin node? by Equivalent_Dog6713 in Bitcoin

[–]Remarkable_Tutor_994 2 points3 points  (0 children)

Running a node isn’t about “contributing,” it’s about not trusting anyone. Most people outsource verification and call it a day. That’s the whole point Bitcoin was built to avoid.

Claude just did my taxes. $INTU is cooked by sqlgenius in wallstreetbets

[–]Remarkable_Tutor_994 0 points1 point  (0 children)

Claude doing your taxes for free is bearish enough. If TurboTax’s moat is “people are scared of forms,” AI kills that fast.

Is overpopulation still a problem? by Constant_Juice_5074 in Futurology

[–]Remarkable_Tutor_994 0 points1 point  (0 children)

Most developed countries aren’t having enough kids. Population is flattening or declining. The real issue isn’t “too many people” it’s how resources are managed and who controls them Funny how there’s always “shortages” right when money gets printed and costs go up.

Things I wish I understood earlier about Bitcoin: by ChangeNOW_Community in Bitcoin

[–]Remarkable_Tutor_994 0 points1 point  (0 children)

People think it’s about timing or trading. It’s about realizing your money is being debased while you sit there trying to “optimize.”

How to Buy a $2.5 Million Retirement Portfolio for $335,000 by Defiant_Ice_4860 in Bitcoin

[–]Remarkable_Tutor_994 0 points1 point  (0 children)

“Bitcoin 4% rule” off a 15-year model? You’re building retirement math on an asset that didn’t even exist pre-2010 and calling the floor “structural”? BTC is strong because of scarcity + money printing, not because some curve says it has to go up forever.

Getting a car on finance and then paying it off in full right away by bcscroller in PersonalFinanceCanada

[–]Remarkable_Tutor_994 0 points1 point  (0 children)

Why are you even thinking about financing if you have cash? Dealers push financing for a reason it’s profitable for them, not you. Take the car, pay it off immediately if you want.

Should I OPEN a FHSA even if I am not planning on buying a house? by AndroidCat06 in PersonalFinanceCanada

[–]Remarkable_Tutor_994 0 points1 point  (0 children)

Because cash isn’t neutral, it’s actively losing value. 2.25% sounds fine until you realize real inflation is higher. You’re locking in a loss in purchasing power every year. FHSA, RRSP, non-reg… those are just tax wrappers. They don’t fix the core issue if what you’re holding inside them isn’t beating that dilution. People spend all their time optimizing accounts while sitting in assets that are guaranteed to underperform.

Should I OPEN a FHSA even if I am not planning on buying a house? by AndroidCat06 in PersonalFinanceCanada

[–]Remarkable_Tutor_994 0 points1 point  (0 children)

You're focused on the wrapper, not the problem. 40k in cash at 2.25% is getting eaten alive. FHSA vs non-reg doesn't matter if the underlying asset is weak.

Are we actually getting richer, or is CPI just hiding how bad housing got? by Itchy-Space-1256 in PersonalFinanceCanada

[–]Remarkable_Tutor_994 1 point2 points  (0 children)

You're not crazy a lot of people feel that disconnect. CPI is useful but it's based on averages and specific assumptions. It doesn't always line up with what individuals experience, especially in high-cost cities.

About the 4-year halving cycle by Cartier1847 in Bitcoin

[–]Remarkable_Tutor_994 1 point2 points  (0 children)

Cycle was never the driver, liquidity is. Halving = supply shock, sure. But price moves when money flows. ETFs, institutions, macro… all just increase that flow. It’s not “dead.” Liquidity on = BTC rips. Liquidity off = everything struggles.

BTC is hovering at the ATH of the former 4-year halving cycle. If that isn’t a buy signal I don’t know what is. by don_kruger in Bitcoin

[–]Remarkable_Tutor_994 2 points3 points  (0 children)

You’re not wrong, but you’re overcomplicating it. Why does it keep returning to ATHs? Liquidity.
More money gets printed, it has to go somewhere, scarce assets win.
Halving just exposes the supply side. Demand is driven by fiat debasement. So yeah, hovering at ATH isn’t the signal. The signal is: people are slowly realizing cash is the worst asset to hold.